Legal analysis: if you commit the crime of credit card fraud, you may be sentenced to fixed-term imprisonment of not more than five years or criminal detention, then the limitation of prosecution is five years; If it is possible to be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, the limitation of prosecution shall be 10 year; May be sentenced to more than 10 years in prison or life imprisonment, and the limitation of prosecution is 15 years; Therefore, the statute of limitations for the crime of credit card fraud can be applied to the longest statute of limitations. If you have not been prosecuted for 20 years, you will not bear criminal responsibility.

Legal basis: Article 87 of the Criminal Law of People's Republic of China (PRC). No prosecution will be initiated after the following time limit:

(1) Five years have passed if the statutory maximum penalty is less than five years of fixed-term imprisonment;

(2) Ten years if the statutory maximum penalty is fixed-term imprisonment of not less than five years but not more than ten years;

(3) Fifteen years if the statutory maximum penalty is fixed-term imprisonment of not less than ten years;

(4) Twenty years have passed if the maximum legal punishment is life imprisonment or death penalty. 20 years later, if it is deemed necessary to prosecute, it shall be submitted to the Supreme People's Procuratorate for approval.