Legal analysis: Anyone who steals a credit card and uses it will be convicted and punished for the crime of theft. The amount of theft should be determined based on the amount used by the perpetrator after stealing the credit card. A credit card is a payment voucher that can be used to obtain property or consumer services. Theft of a credit card also indirectly takes possession of other people's property. Although it requires subsequent actions to truly possess it, such as the perpetrator impersonating the cardholder's signature, etc. This process is actually a continuation of the crime of theft and a means to achieve the purpose of the crime of theft. Therefore, Article 196 of the Criminal Law determines it as a crime of theft.

Legal basis: Article 10 of the Supreme People's Court's "Interpretation on Several Issues Concerning the Specific Application of Law in the Trial of Theft Cases" According to the provisions of paragraph 3 of Article 196 of the Criminal Law, if a credit card is stolen and used, Convicted and punished for theft. The amount of theft should be determined based on the amount used by the perpetrator after stealing the credit card.