It is unlikely to constitute fraud. If the other party still refuses to repay the money after the dunning, it has already constituted the crime of embezzlement. Cash out through the other party's credit card, then the money obtained after the other party occupies the credit card is based on consent and belongs to legal possession. However, the other party refuses to return it after possession, and the amount of 30,000 yuan has exceeded the legal prosecution amount, that is, more than 5,000 yuan to 20,000 yuan (the starting point of the amount varies from place to place), which is a large amount and constitutes the crime of embezzlement. This crime belongs to the case that is handled only after being informed, and the victim needs to go to court directly according to the procedure of private prosecution. The public security organ will not accept it.

Legal provisions:

Article 270 of the Criminal Law: Whoever illegally occupies other people's property for safekeeping and refuses to return it in a large amount shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or a fine; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than two years but not more than five years and shall also be fined.

Whoever illegally takes forgetting things and buried objects of others for himself and refuses to hand them over in a large amount shall be punished in accordance with the provisions of the preceding paragraph.

This crime can only be dealt with if it is spoken.

It is recommended to know each other's interests first. After all, we are friends. By the time we got to the court, the other party had already been sentenced. This is no joke. If the other party really doesn't pay it back, go directly to court as a criminal private prosecution case.