Legal analysis: it is obviously illegal. The means of implementing credit card fraud activities are mainly divided into three categories: the first category is the cardholder's information (bank card number, password, etc.). Intercepted by criminals or criminal suspects due to bank faults, such as installing cameras and other equipment around ATM machines to steal information, installing card swallowing devices on ATM machines, stealing funds from real cards, etc.; The second category is bank card information leakage caused by the cardholder's own fault, such as bank card loss and password leakage. , and the cardholder fails to perform the custody obligation correctly; The third category is that the reasons for bank card information leakage are unknown, such as hackers invading the banking system and stealing cardholder information to make fake cards.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.