Returning the credit card to others does not constitute a crime, but is a legal civil compensation act. There are two kinds of credit card crimes in China: the crime of credit card fraud and the crime of obstructing credit card management. One of the following circumstances constitutes the crime of credit card fraud: 1, using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate; 2. Use an invalid credit card; 3. Fraudulent use of other people's credit cards; 4. Malicious overdraft. In any of the following circumstances, it constitutes the crime of obstructing credit card management: 1, holding and transporting knowingly a forged credit card, or holding and transporting knowingly a forged blank credit card, with a large number; 2. Illegally holding a large number of other people's credit cards; 3. Use false identification to defraud credit cards; 4. Selling, buying or providing others with forged credit cards or obtaining credit cards by fraudulent means.

legal ground

Article 177th of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of obstructing credit card management. Whoever obstructs the management of credit cards shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or only be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: (1) Holding and transporting a large number of credit cards knowing that they are forged, or holding and transporting them knowing that they are blank credit cards; (2) Illegally holding other people's credit cards, with a relatively large number; (3) using false identification to defraud credit cards; (4) Selling, purchasing or providing others with forged credit cards or obtaining credit cards by fraudulent means. Crime of stealing, buying or illegally providing credit card information Whoever steals, buys or illegally provides credit card information of others shall be punished in accordance with the provisions of the preceding paragraph. Any employee of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment.