In the first step, criminals obtain the victim's personal information through improper channels, mainly including card number, account name, password, ID number and so on.

In the second step, criminals lied that their credit cards were lost by calling the bank's customer service phone, and they had to reissue new cards;

Step 3, the criminal suspect enters the victim's card number and ID number through the customer service channel to complete the loss reporting operation;

A man overdrawn his credit card many times, but he was unable to repay the arrears. He changed his contact information and home address and tried to avoid the bank's collection of repayment. On February 3, 65438, Song Moumou, who maliciously overdrawn his credit card, was sentenced to 1.4 months in prison and fined 20,000 yuan by Helan County Court for credit card fraud.

It is understood that on June 5438+February 1 day, 2008, Song used a bank credit card to overdraw the consumption of 5923.07 yuan. The next day, he used another credit card of the same bank to overdraw his consumption, amounting to 38,040.55 yuan. After the overdraft, Song Moumou has not repaid the overdraft principal and interest owed. After the bank staff repeatedly called to announce the collection, Song still refused to repay, and changed the contact information, home address and other information in an attempt to avoid repayment.

After being sued by the bank to the court, Song surrendered himself and paid off all the overdraft principal and interest under two credit cards.

The Helan County Court held that Song had the subjective purpose of illegal possession and his behavior constituted the crime of credit card fraud, so he was sentenced to 1 year for 4 months and fined 20,000 yuan.