Any hot topics that are popular among the public can always bring so-called business opportunities to some people with evil intentions, just like the transition of credit cards from their early days to their gradual maturity now. There have been countless cases of credit card fraud since the early 1990s. Of course, some people may have issued a letter of understanding to the bank after they all paid back the money. Because for criminal suspects, a letter of understanding for credit card fraud can play a role in reducing their criminal liability. 1. What is the role of a letter of understanding for credit card fraud? A criminal letter of understanding generally refers to a legal document issued by the victim to reach a settlement on the outcome of the criminal case between the victim and the suspect or his family. Written document. The letter of understanding is usually completed from the filing of a public prosecution to the cross-examination in court, and it has the effect of discretionary mitigation and leniency in criminal law. That is to say, the party or the victim has given forgiveness emotionally, and it also shows that the party or the victim will no longer pursue the case, which has a certain reference effect on sentencing to reduce or exempt punishment. The role of a criminal understanding letter is to help you fight for a reduced sentence. A criminal understanding letter is a discretionary circumstance in the law, which is a social effect. If the other party forgives you, then the judge will no longer exist. Depending on the burden, your sentence can be very light (within the fluctuations stipulated by the law). 2. Sentencing standards for credit card fraud are based on Article 196 of the Criminal Law: Anyone who commits credit card fraud under one of the following circumstances and the amount is relatively large 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 and not less than 200,000 yuan. A fine of not more than 50,000 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 10 years, and a fine of 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 10 years or more. or life imprisonment, and shall also be sentenced to a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) For using a forged credit card; (2) For using a canceled credit card; (3) For fraudulently using another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. 3. How to prevent credit card fraud? (1) Do not disclose personal information easily. Nowadays, many websites or businesses hold activities and ask customers to leave some relevant information. Lunan police remind you that unless it is a formal and highly credible website or business, it is best not to leave your private information. (2) Change your password at any time. The password is a lock that can effectively protect your own interests. However, the security of a password that has not been changed for a thousand years is greatly reduced. Therefore, it is recommended to change the password every once in a while, and only you know the password combination rules. (3) Beware of phishing websites. Online shopping is very popular these days, and new types of scams have emerged. Many netizens accidentally enter phishing websites that look similar to regular shopping websites when they click on online store links, but are actually designed to defraud credit card passwords or money. The police remind that any website that requires you to enter your credit card password is definitely not a legitimate website. You must exit decisively and do not be fooled. (4) Pay more attention to credit card dynamics. By activating the credit card SMS reminder function, you will be notified immediately of any changes, and you can also quickly report them to the bank and the public security department. (5) Pay attention to details when surfing the Internet. Do not log in to online banking or conduct online transactions on a computer other than your own. Even if it is a private computer, you should take precautions, install anti-virus software, check the network security of your computer frequently, and clear online traces and cookies at any time. (6) Memorize the official phone number. For calls claiming that your credit card has been maliciously overdrawn or otherwise, as long as it is not the bank's official number, ignore it. Some criminals are very cunning and use software to change the caller ID. As long as they call back, their flaws will be exposed. (7) Be careful when withdrawing cash by swiping your card. Whether you are swiping your card to withdraw cash at a bank or paying with your card at a merchant, when entering your password, make sure there are no other people around you and cover the keyboard with your hands. Pay special attention to whether there are some small notes posted at the automatic teller machines, saying that the machine is malfunctioning, etc., it may be a trick of scammers.

The so-called understanding in criminal cases is of course based on the voluntary conditions of the victim. Banks or ordinary people can issue a criminal understanding letter based on the fact that the party has taken some measures to make amends after committing the crime. However, the role of the criminal understanding letter is of course also very important. If the crime is effective, the punishment can only be appropriately reduced within the original sentence. However, if the circumstances are minor, exemption from punishment is not excluded.