Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or his property shall be confiscated: (1) using forged credit cards, or using credit cards fraudulently obtained with false identification, (2) using invalid credit cards, (3) fraudulently using other people's credit cards, or (4) maliciously overdrawing. It seems that if you change your mobile phone, others will not find yourself; But in fact, when you apply for a credit card, you also fill in your relatives' numbers as emergency contacts, so if you can't be found, you will continue to harass your relatives. At this time, they will help you bear the trouble. Moreover, after changing the phone number, the collection personnel also have ways to find someone, such as the work unit, such as the home address and even the household registration address. After the bank can't contact people many times, it will turn into a civil procedure, and the litigation documents can be served at these addresses. If the cardholder still does not appear, then the court can make a judgment by default and announce the service, and its responsibility is indispensable.