If the amount exceeds 1,000 yuan, he can be prosecuted for credit card fraud.
False use refers to the behavior of a non-cardholder using the cardholder's credit card in the name of the cardholder to defraud property.
According to my country's regulations on credit cards, credit cards are limited to the legal cardholder's personal use and may not be lent or transferred. This is also a principle generally followed by all countries. However, if the credit card and ID card are put together and lost at the same time, it may create opportunities for the finder or thief to use them fraudulently.
After obtaining other people's credit cards, these finders or thieves may take advantage of the time before the cardholder notices the loss, or take advantage of the time difference in stop payment management, to impersonate the card owner's identity and imitate the card owner's signature. You can go to credit card merchants or banks to make purchases, withdraw money, or enjoy services. These are some common situations where you use other people’s credit cards to commit fraud.
Extended information:
Malicious overdraft
Overdraft refers to a situation where a customer who has set up an account with a bank has no funds or insufficient funds in the account. Approval, the act of allowing a customer to spend money in excess of the funds on their account.
An overdraft is essentially a bank loaning money to a customer. The so-called malicious overdraft, according to the second paragraph of Article 196 of the Criminal Law, refers to the behavior of a credit card holder who overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the credit card after being called by the card-issuing bank. The essential difference between a bona fide overdraft and a malicious overdraft lies in the subjective differences of the perpetrators.
Both of them objectively cause overdrafts, but the perpetrator of the overdraft in good faith has the subjective intention to use it first and pay back the overdraft and interest at that time, while the perpetrator of the malicious overdraft overdrafts for the purpose of He takes the overdraft as his own, does not want to repay it or is unable to repay it, and resorts to absconding to avoid debt.
Baidu Encyclopedia-Credit Card Fraud