It is generally not a crime to return a credit card to others. Because returning the credit card on behalf of others is a civil legal act negotiated by the parties, and it is not a fraud. However, if there is, is it a crime to return the credit card to others?

It is generally not a crime to return a credit card to others. Because returning the credit card on behalf of others is a civil legal act negotiated by the parties, and it is not a fraud. However, if credit card fraud is committed, it will constitute a crime and be sentenced by the court.

Second, the legal basis for the crime of returning others' credit cards?

According to Article 196 of the Criminal Law, whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

Third, how to operate credit card repayment?

To put it simply, the operation of credit card repayment is that the intermediary agency repays the overdraft limit that is about to expire, and then brushes out all the repayment amount not long ago in the form of credit card consumption. In fact, it is to return it first and then brush it out. According to the current credit card regulations of major banks, as long as the customer repays, that is, as long as the customer's card is normal, the credit card limit will be restored. We can refund the credit card money on behalf of our customers, and we can brush it out immediately. In this way, you not only have repayment records, but also consumption records, plus some small consumption, which can make you increase your credit limit faster.