Malicious overdrafts, counterfeit credit cards, fraudulently using other people’s credit cards, illegally obtaining other people’s credit card information, stealing other people’s credit cards, and obtaining credit card funds through false transactions.

1. Malicious overdraft

Malicious overdraft refers to the behavior of the cardholder who exceeds his credit card limit or repayment period and deliberately fails to repay the overdraft for the purpose of illegal possession. This behavior seriously disrupts the order of the credit card market and harms the interests of financial institutions.

2. Counterfeit credit cards

Counterfeit credit cards refer to the act of creating or copying other people’s credit cards through illegal means, and then using their names to make purchases or withdraw cash. This behavior not only violates the property rights of others, but also undermines the security of the credit card system.

3. Pretending to use other people’s credit cards

Pretending to use other people’s credit cards refers to the act of using other people’s credit cards for consumption or cash withdrawal without the cardholder’s consent or authorization. This behavior seriously infringes upon the legitimate rights and interests of others and falls into the category of illegal possession.

IV. Illegal acquisition of other people’s credit card information

Illegal acquisition of other people’s credit card information refers to obtaining other people’s credit card related information through illegal means, such as card number, password, expiration date, etc., in order to use it fraudulently or Carry out other illegal activities. This behavior seriously violates personal privacy and property security.

5. Stealing other people’s credit cards

Stealing other people’s credit cards refers to obtaining other people’s credit card information through illegal means and using it without the cardholder’s consent or authorization. Credit card purchases or cash withdrawals. This behavior brings huge economic losses and mental pressure to cardholders.

6. Obtaining credit card funds through false transactions

Obtaining credit card funds through false transactions refers to the act of using fictitious transactions or forged transaction vouchers to defraud credit card funds. This behavior seriously disrupted the market order and harmed the interests of financial institutions and other participants.

In summary:

The six situations for illegal possession of credit cards cover malicious overdrafts, forged credit cards, fraudulent use of other people’s credit cards, illegal acquisition of other people’s credit card information, and theft of other people’s credit cards. Credit cards and obtaining credit card funds through false transactions. These behaviors not only violate laws and regulations, but also harm the healthy development of the credit card market. Therefore, we should strengthen the supervision of credit card use, improve personal awareness of prevention, and simultaneously maintain the order and security of the credit card market.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196 provides:

Whoever commits credit card fraud under one of the following circumstances and the amount is huge 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 five years or more. Whoever commits a crime shall be sentenced to fixed-term imprisonment of not less than 10 years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly 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. A fine of less than RMB 10,000 or confiscation of property may be imposed:

(1) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to be Using other people’s credit cards;

(4) Malicious overdraft.

"Public Security Administration Punishment Law of the People's Republic of China"

Article 49 stipulates:

Theft, fraud, robbery, snatching, extortion Anyone who extorts or intentionally damages public or private property shall be detained for not less than five days but not more than ten days, and may also be fined not more than five hundred yuan; if the circumstances are more serious, he shall be detained for not less than ten days but not more than fifteen days, and may be fined not more than one thousand yuan.