Answers: A, C, D

Whoever uses false identity documents to fraudulently obtain a credit card is guilty of obstructing credit card management; anyone who uses false identity documents to fraudulently obtain credit cards for the purpose of illegal possession Anyone who defrauds property with a credit card is guilty of credit card fraud. There is a means-end relationship between the above two acts, and they are common. They are involved in the relationship and should be punished as a felony. Therefore option A is wrong.

According to the judicial interpretation, picking up other people’s credit cards and then withdrawing money from an automatic teller machine (ATM) is a case of “pretending to use other people’s credit cards” and is guilty of credit card fraud. In the same way, anyone who "uses" another person's credit card without authorization at an automatic teller machine (ATM) is an act of "pretending to use another person's credit card" and is guilty of credit card fraud. Therefore option B is correct.

The crime of "malicious overdraft" credit card fraud refers to the malicious overdraft for the purpose of illegal possession, and the card-issuing bank directly collects the money from the person more than twice, and the amount has not been repaid for more than three months, and the amount is more than 10,000 yuan. behavior. In option C, the perpetrator did not have the purpose of illegal possession when overdrafting, so the crime of credit card fraud is not established. Therefore option C is wrong.

According to judicial interpretation, the act of "finding a credit card and using it" should be convicted and punished as credit card fraud. Therefore option D is wrong.