1. What are the main characteristics of credit card fraud crimes? First, the defendants are mostly unemployed young and middle-aged men. Only 17% of the defendants have an education experience of college or above. 61% of the defendants were committing crimes. They are unemployed and mostly rely on odd jobs and family relief as their sources of income. Second, banks generally encountered malicious overdrafts, and the phenomenon of being defrauded was serious during the same period. Third, most defendants use false credit documents to fraudulently obtain credit cards. Although the defendants provide true identity certificates to apply for credit cards, in order to obtain higher credit limits, they often use false asset certificates, income certificates, etc., which makes bank card issuers Misassess their solvency, issue credit cards to unqualified people, or set credit limits too high. Fourth, overdrafts in the "card to support card" style lead to a snowballing increase in bank losses. After overdrafts are made, banks rely on new overdrafts to repay past overdrafts, which ultimately leads to a snowballing increase in the amount of overdrafts. Fifth, the phenomenon of super-powerful consumption is very common among defendants. They overdraft money to buy luxury goods, visit high-end shopping venues, and quickly squander the available credit. The amount of monthly overdrafts far exceeds the amount of income. Sixth, most defendants were able to return compensation after the incident, and the penalties imposed were relatively mild. 67% of the total cases were able to return all or part of the stolen money before the court of first instance pronounced its verdict. 2. What are the legal acts of credit card fraud? 1. Using counterfeit credit cards. The so-called counterfeit credit cards refer to credit cards that imitate the texture, pattern, section, pattern and magnetic stripe password of a credit card. The so-called use refers to the act of using a forged credit card to defraud other people's property for the purpose of illegally possessing other people's property. This includes using counterfeit credit cards to purchase goods, withdraw cash, and use counterfeit credit cards to receive various services. 2. Use of invalidated credit cards. An invalidated credit card refers to an expired credit card that cannot continue to be used according to laws and relevant regulations, an invalid credit card, a credit card that has been declared invalid in accordance with the law, and a credit card that the cardholder has stopped using midway during the validity period of the credit card and will Credit cards that are returned to the issuing bank, as well as credit cards that have been invalidated due to loss reports. In addition, using an expired credit card also includes using an altered card. The so-called altered cards refer to invalid credit cards whose card numbers have been altered. 3. Fraudulent use of other people’s credit cards Fraudulent use refers to the act of a non-cardholder using the cardholder’s credit card in the name of the cardholder to defraud property. According to my country's regulations on credit cards, credit cards are limited to the legal cardholder's personal use and may not be lent or transferred. This is also a principle generally followed by all countries. However, if the credit card and ID card are put together and lost at the same time, it may create opportunities for the finder or thief to use them fraudulently. After obtaining other people's credit cards, these losers or thieves may take advantage of the time lag in stop payment management before the card holder notices the loss, pretending to be the card owner's identity and imitating the card owner's signature, and go to credit card authorized merchants or merchants. Bank purchases, withdrawals, or services are some of the common situations in which people fraudulently use other people’s credit cards to commit fraud. 4. Use a credit card to make a malicious overdraft. The so-called malicious overdraft, according to the second paragraph of Article 196 of the Criminal Law, means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and has been collected by the card-issuing bank. The act of not returning it. The essential difference between a bona fide overdraft and a malicious overdraft lies in the subjective differences of the perpetrators. Both objectively cause overdrafts, but the perpetrator of the overdraft in good faith has the subjective intention to use it first and pay back the overdraft and interest at that time, while the perpetrator of the malicious overdraft overdrafts in order to keep the overdraft as his own. , do not want to repay or are unable to repay, and resort to absconding to avoid debt. The main characteristic of current credit card fraud is that the parties concerned do not have any consumption plan, that is, all the consumption is simply beyond their ability to afford. In addition, the vast majority of credit card fraud suspects only know about the crime after the incident. Due to the serious nature of the crime, some family members may raise money through various methods and return all or part of it, but they still have to bear corresponding criminal liability.