The criminal composition of the crime of obstructing credit card management:

1. The subject is a general subject;

2. Subjectively, it is intentional and generally has the purpose of seeking illegal benefits;

3. The object is the country’s credit card management system;

4. Objectively, it appears as behavior that hinders credit card management.

Legal Basis

Article 177-1 of the "Criminal Law"

Anyone who interferes with credit card management under any of the following circumstances shall be sentenced to not more than three years in prison Fixed-term imprisonment or criminal detention, and concurrently or solely a fine of not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is to not less than three years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 20,000 yuan but not more than 200,000 yuan. Fines:

(1) Knowingly holding and transporting a counterfeit credit card, or knowingly holding and transporting a large quantity of forged blank credit cards;

( 2) Illegally holding other people’s credit cards in large quantities;

(3) Using false identity certificates to defraud credit cards;

(4) Selling, buying, or providing others with credit cards;

Forged credit cards or credit cards obtained fraudulently with false identification.

Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

If a staff member of a bank or other financial institution takes advantage of his position to commit the crime in Paragraph 2, he shall be severely punished.