1. The National People’s Congress Standing Committee’s explanation of the relevant credit card provisions of the Criminal Law of the People’s Republic of China and the People’s Republic of China: “Credit card” under the Criminal Law refers to credit cards issued by commercial banks or other financial institutions. Electronic payment cards with full or partial functions such as consumption payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. "Because debit cards have functions such as consumption payment, cash deposit and withdrawal, transfer settlement, etc., they are "electronic payment cards with partial functions." , so the debit card is undoubtedly a credit card.

2. "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing Credit Card Management": "Using another person's resident identity card, military officer's ID card, soldier's ID card, Mainland Travel Permit for Hong Kong and Macao residents, or Taiwan Residents who apply for a credit card using identity documents such as mainland travel passes or passports, or who use forged or altered identity documents to apply for a credit card, shall be deemed to be in compliance with the provisions of Item (3) of Article 177-1, Paragraph 1, of the Criminal Law. "Using false identity documents to fraudulently obtain credit cards." In the case you mentioned, if the suspect used someone else's identity document to apply for a debit card "against the other person's will," he was using a false identity document to fraudulently obtain a credit card.