It’s credit card fraud.

Reply of the Supreme People's Procuratorate on how to characterize the behavior of picking up other people's credit cards

and using them at automated teller machines (ATMs)

(February 2008 On the 19th, the 92nd meeting of the 10th Procuratorial Committee of the Supreme People's Procuratorate passed the Gao Jifa Shizi [2008] No. 1)

Zhejiang Provincial People's Procuratorate:

Your court " Request for instructions on how to characterize the behavior of finding other people’s credit cards and using them at ATMs” (Zhejiang Examiner [2007] No. 227) received. After research, the reply is as follows:

The act of picking up someone else’s credit card and using it at an automatic teller machine (ATM) falls under the category of “counterfeiting” stipulated in Article 196, Paragraph 1, Item (3) of the Criminal Law. If the situation of "using other people's credit cards" constitutes a crime, criminal liability will be investigated for the crime of credit card fraud.