Legal analysis: according to the relevant laws of our country, combined with relevant practical cases, the manifestations of credit card crimes are: 1, defrauding credit cards with false identity information, hindering credit card management activities; 2. Forged or altered credit cards are used to defraud others of their legitimate property, resulting in property losses of others; 3. After the consumer obtains the credit card through theft, robbery, embezzlement or other means, he spends in the consumption place, thus defrauding the creditor's rights of the merchant and exempting himself from the obligation of returning.

Legal basis: Article 177 of the Criminal Law of People's Republic of China (PRC): Whoever forges or alters financial tickets under any of the following circumstances 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 circumstances are serious, 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 circumstances are especially serious, 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) Forging or altering bills of exchange, promissory notes or cheques; (2) Forging or altering other bank settlement vouchers such as entrusted collection vouchers, remittance vouchers and bank deposit vouchers; (3) Forging or altering letters of credit or accompanying documents and documents; (4) Forged credit cards. Article 195 Whoever commits fraud by letter of credit under any of the following circumstances 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 forged or altered letters of credit or accompanying documents and vouchers; (2) Using an invalid letter of credit; (3) defrauding a letter of credit; (4) fraudulent activities of letters of credit by other means.