Article 196 Whoever commits credit card fraud under any of the following circumstances, if 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 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 his property shall be confiscated: (1) using a forged credit card; (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. If the perpetrator commits the acts specified in items (1), (2) and (3) of the first paragraph of Article 14 of the Decision, the amount of fraud is more than 5,000 yuan, which is a "large amount"; If the amount of fraud is more than 50,000 yuan, it is a "huge amount"; If the amount of fraud is more than 200,000 yuan, it belongs to "the amount is extremely huge". The so-called serious circumstances refer to the huge amount of fraud or other serious circumstances. The amount here is huge. According to the relevant judicial interpretation, it refers to people who defraud more than 50 thousand yuan. As for other serious circumstances, it mainly refers to the use of advanced technical means after forgery; The ringleader of a criminal group that uses credit cards for fraud; Repeated use of credit cards for fraud, incorrigible; Because of its fraudulent behavior, it has caused huge losses to other people's public and private property; Causing adverse effects due to its behavior; Wait a minute. The so-called particularly serious circumstances refer to the huge amount of fraud and other particularly serious circumstances. According to the relevant provisions of judicial interpretation, the starting point standard for a particularly huge amount is 200,000 yuan. As for other particularly serious circumstances, it mainly refers to the use of credit cards to commit fraud; Belonging to recidivism, recidivism or recidivism; There are many serious circumstances; Causing particularly serious economic losses or other particularly serious consequences to others due to its fraudulent behavior; Using fraudulent property to commit other serious criminal crimes, causing particularly bad effects; Wait a minute. According to the above regulations, if credit card fraud reaches 10,000 yuan, the amount should be relatively large, and it should be sentenced to fixed-term imprisonment of not more than five years, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.