Abstract With the continuous expansion and widespread popularity of credit card functions, credit cards have changed the traditional consumption and transaction methods, facilitated people's daily lives, and gradually become an important financial tool. Especially in today's information age, the number of credit cards has surged. However, with the rapid expansion of credit card business, the corresponding legal system and credit system are still not perfect, which leads to a high incidence of credit card fraud. It is estimated that credit cards cause losses of hundreds of millions of yuan to the country every year. However, the crime of credit card fraud has its own characteristics, and there are many incentives, so it is difficult to effectively curb the crime of credit card fraud. Therefore, it is of practical significance to study and formulate corresponding preventive countermeasures and measures.

paper keywords credit card fraud crime prevention and control countermeasures

1. characteristics of current credit card fraud crime

(1) gang crime, involving complex people, a large number of cases, and great losses

from the current cases investigated, criminals often form criminal gangs in order to facilitate the success of fraud, involving various industrial units and natural persons, as well as internal personnel of banks and special merchants. They colluded with each other and cooperated closely, constantly using all aspects of credit card transactions and services to commit crimes continuously, and the number of criminal cases continued to rise, so the value and losses of the cases were also quite amazing, and some cases involved amounted to hundreds of millions of yuan.

(II) Diversified criminal means and strong intelligence

At present, there are various forms of using credit cards to commit fraud, and telephones, mobile phones and the Internet have all become tools used by criminals. Some criminals forged and used credit cards by setting up fake bank websites, installing code-stealing software when paying online, using e-mail, intercepting telephone banking information, pretending to be bank staff, using code-stealing machines, etc., after obtaining customer information and canceling credit card passwords; Some people use other people's credit cards by sending short messages directly, stealing other people's credit cards on ATM machines, and taking the opportunity to replace the cards when cardholders trade. Some impersonate others to apply for bank credit cards, and then maliciously overdraw; Some collude with credit card merchants to make fictitious transactions, take cash, etc. These constantly updated criminal means are hard to prevent.

(3) The characteristics of transnational and cross-border crimes are increasingly prominent

Now, many domestic and international credit card criminal groups have been formed in the world, and they use their strong financial strength and organizational ability to conduct credit card fraud activities on a global scale. Forged credit card groups usually manufacture forged credit cards in country A, steal customer information in country B, and then spend money in other countries after writing magnetic stripe information in country C. The division of labor from manufacturing to selling stolen goods is meticulous, and the number of criminal links is increased, forming a well-structured criminal operation process.

(4) Crime is secretive, which brings challenges to investigation

With the rapid development of network and communication technology and the expansion of online payment credit card business, the multi-purpose characteristics of online payment credit card have also been used to commit crimes. In view of the limited identification ability of customer service terminals and the technical characteristics of computers and networks, some online credit card fraud crimes are difficult to be discovered even if they are committed many times and cause serious losses, which provides opportunities for criminals to commit crimes in secret, conceal and destroy the traces of crimes and the whereabouts of stolen money. It can be seen that with the increasing technical content, the harm of credit card fraud to individuals, units and society will be further deepened, and it will also bring challenges to the investigation work.