What are the filing standards for credit card fraud?

The filing standards for credit card fraud vary according to different circumstances. Generally speaking, criminal acts involving credit card fraud include malicious overdrafts, counterfeit credit cards, using invalid credit cards, etc. According to the provisions of Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, if the criminal suspect exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and still fails to return the amount after being called by the issuing bank, the amount If it is larger, it can constitute the crime of credit card fraud.

1. Malicious overdraft

Malicious overdraft refers to the cardholder’s behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return it after being called upon by the card-issuing bank. . According to the provisions of Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, a malicious overdraft with a relatively large amount may constitute the crime of credit card fraud. Specifically, the amount standard for malicious overdraft is usually more than 5,000 yuan.

2. Counterfeit credit cards

Fake credit cards refer to the act of committing fraud by making and using forged credit cards or using other people’s credit cards without authorization or improper authorization. Counterfeit credit cards usually manifest themselves in the use of counterfeit credit cards for purchases, withdrawals, etc. According to the provisions of Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, forging credit cards with relatively large amounts may constitute the crime of credit card fraud.

3. Using an expired credit card

Using an expired credit card means that the cardholder uses an expired or stolen credit card to make purchases, withdraw money, etc. Expired credit cards usually refer to credit cards that are expired, reported lost, canceled, etc. According to the provisions of Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, using an invalid credit card with a large amount may constitute the crime of credit card fraud.

In summary:

Credit card fraud is a common financial crime that has a negative impact on individuals and society. In order to prevent the occurrence of credit card fraud, cardholders should understand the rules and legal responsibilities of credit cards, abide by the regulations and use credit cards correctly. At the same time, financial institutions should also strengthen risk management and supervision and improve risk prevention capabilities.