1. How to calculate the amount of credit card fraud? 1. Use forged credit cards, credit cards fraudulently obtained with fake ID cards or invalid credit cards, or engage in credit card fraud activities with the amount of more than 5,000 yuan. The term "fraudulently using another person's credit card" as mentioned in Item (3) of Paragraph 1 of Article 196 of the Criminal Law includes the following situations: (1) Picking up another person's credit card and using it; (2) defrauding others of their credit cards and using them; (three) stealing, buying, defrauding or other illegal means to obtain other people's credit card information and use it through the Internet, communication terminals, etc. ; (four) other circumstances of fraudulent use of other people's credit cards. 2. Malicious overdraft of RMB 654.38 million. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability and the overdraft amount is too large to be returned; (two) squandering overdraft funds, unable to return; (3) Escaping after overdraft, changing contact information and avoiding bank collection; (4) evading or transferring funds, concealing property or evading repayment; (five) the use of overdraft funds for illegal and criminal activities; (six) other acts of illegal possession of funds and refusal to return them. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank. Second, fraudulent means 1. SMS notification "friendly" guidance. The swindler pretends to be a bank employee to inform you that your credit card was successfully swiped in a shopping mall and left an inquiry number. When you are in doubt, the liar will "kindly" guide you to operate on the ATM and use all kinds of sweet words to induce you to transfer money to his designated account. 2. Call for the password. The swindler lied that your credit card has been stolen and the suspect has been arrested, and asked the deceived person to report the card number and password to the "bank staff" to avoid "freezing the credit card". When you tell the liar the relevant information, the amount on the credit card will be stolen. 3. Fake websites are easy to be fooled. The swindler cloned the real bank website and then posted an advertisement on it saying that the online bank was drawing a lottery. When you click enter, you will be asked to enter the card number and password. 4. Post a "notice" to induce you to transfer money. Liars often post a notice on ATM machines, such as "banking system failure, please follow the following procedures, otherwise the consequences will be at your own risk". Follow the prompts and you will transfer the amount on the card to the liar. 5. Create the illusion that the credit card has been swallowed. The swindler first tampered with the ATM so that your card could not be taken out, and then disguised as a kind person to remind you to re-enter the password. When your operation is invalid and you ask in the bank business hall, "good people" will take the card away. 6. Play the double spring to switch packages instantly. Someone asks you questions before you take out your card after you finish your business. Before you can turn around and talk, another person next to you has switched your cards. With the increasing popularity of credit cards, more and more citizens will use credit cards to pay, which brings convenience and great risks. If criminals use illegal means to copy or use other people's credit cards for consumption, this behavior will constitute the crime of credit card fraud, and the judicial organs will make different penalties according to the amount involved.