Legal analysis: The principle of robbing a credit card and using it is the same as that of stealing and robbing a credit card. They all cheat to get the balance and credit on the card by concealing the real situation of their non-cardholders after obtaining the credit card, which should be treated as robbery, and the calculation method of the amount is the same as that of stealing and robbing a credit card.

legal basis: article 196 of the criminal law of the people's Republic of China uses another person's credit card fraudulently, which is defined as credit card fraud. This means that no matter what means the perpetrator uses to obtain someone else's credit card, as long as he fraudulently uses it and reaches the level of crime, it can constitute the crime of credit card fraud.