Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Prosecution Standards of Economic Crime Cases
Forty-six, credit card fraud (article 196 of the Criminal Law)
Credit card fraud, suspected of one of the following circumstances, should be prosecuted:
1, using forged credit cards, or using invalid credit cards, or using other people's credit cards for fraudulent activities, with the amount of more than 5,000 yuan;
2, malicious overdraft, the amount of more than five thousand yuan.
"Malicious overdraft" refers to the behavior that the cardholder evades tracing for the purpose of illegal possession, or knows that he is unable to repay, the overdraft amount greatly exceeds the amount allowed by the credit card, or fails to return it within 3 months from the date of receiving the dunning notice from the issuing bank. Malicious overdraft of more than 5,000 yuan is "a large amount"; Malicious overdraft of more than 50 thousand yuan belongs to "huge amount"; Malicious overdraft of more than 200,000 yuan belongs to "extremely huge amount"