Credit card fraud is punishable by imprisonment. Whoever commits this crime and swindles a large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined; 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; 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 or confiscated. The filing standard for credit card arrears is generally more than 50,000 yuan, and some banks will set the filing standard at 6,543,800 yuan. When users use credit cards, it is best not to have overdue credit cards, not to mention serious overdue ones. Because the overdue nature of credit card belongs to credit card fraud, especially after the user is overdue for a long time, the bank will directly sue the user to the court, and the user's personal credit information will also be seriously affected. If the circumstances are bad, the user may even bear criminal responsibility for it. The standard for filing credit card arrears is generally 50 thousand yuan. After the user owes money on the credit card, when the amount owed by the user on the credit card reaches 1 000 yuan, this amount has actually reached the filing standard. For most banks, banks may give users a certain grace period, not to mention the quota, so the credit card filing standard of most banks is set at 50 thousand yuan. As long as it exceeds this amount, such users will be formally sued by the bank for a long time.

Punishment:

1. Use a forged credit card, or use a credit card fraudulently obtained with a false identity;

2. Use an invalid credit card;

3. Fraudulent use of other people's credit cards;

4. Malicious overdraft

legal ground

criminal law

Article 196 Whoever commits credit card fraud in a relatively large amount 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: