Legal Interpretation of the Supreme Court on Credit Card Fraud: 1. For those who apply for credit cards at banks by forging or fraudulently using ID cards and business licenses, or by forging, altering, or fraudulently using credit cards to defraud property, the amount If the amount is larger, criminal liability will be investigated for fraud. 2. If an individual uses a credit card to maliciously overdraft for the purpose of illegal possession, or knows that he is unable to repay, and defrauds the property of more than 5,000 yuan, and evades investigation, or if the bank has issued a repayment reminder and has not returned it for more than three months, he will be prosecuted for the crime of fraud. criminal responsibility. 3. If the perpetrator's malicious overdraft constitutes a crime, and if all the overdraft interest has been returned after the incident and before prosecution by the People's Procuratorate, he may be given a lighter or reduced punishment or be exempted from criminal liability. Article 196 of the Criminal Law: Whoever 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 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 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 fixed-term imprisonment of not less than 10 years but not more than life. Imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) ) Pretending to use other people’s credit cards; (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. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.