You can call the police to help people return their credit cards. If the other party doesn't want to pay back the money from the beginning, you can call the police if there is fraud. If the other party really can't pay for other reasons, it is an economic dispute.

The criteria for determining fraud are as follows:

1, the object of fraud is the ownership of public and private property;

2. The crime of fraud is objectively manifested as using fraudulent methods, fabricating facts or concealing the truth, and defrauding a large amount of public and private property;

3. The subject of the crime of fraud is the general subject;

4. The crime of fraud is subjectively intentional.

The standards for filing economic disputes are as follows:

1. The plaintiff is a citizen, legal person and other organization that has a direct interest in this case;

2. There is a clear defendant;

3, there are specific claims and facts and reasons;

4. It belongs to the scope and jurisdiction of the people's court to accept civil litigation.

Legal basis:

Article 196th of the Criminal Law of People's Republic of China (PRC)

Under any of the following circumstances, it constitutes the crime of credit card fraud, and if the amount is relatively large, it 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 especially 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 confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.