First: The crime of credit card fraud is the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession, violating credit card management regulations, and defrauding a large amount of property.

According to relevant laws and regulations, there are two criteria for filing a crime of credit card fraud:

First, using a forged credit card, using a personally fabricated false identity document to defraud a credit card or a credit card that has been invalidated Or pretending to be someone else’s credit card to commit fraud, and the amount is more than 5,000 yuan,

Second, the credit card is used to maliciously overdraft beyond the period specified on the card, and the bank carries out two overdue collections within 3 months Not repaid yet.

Basic: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be sentenced to two years' imprisonment. A fine of not less than 10,000 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a counterfeit credit card;?

(2) Using Canceled credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Second: How to ensure the security of credit cards?

1. When you receive a credit card or password letter

1. After receiving the new card, you must promptly check the validity period of the name on the credit card and the type of credit card. Or after receiving the credit card, please immediately check whether the embossed English characters on the front of your credit card are consistent with what you wrote on the application form. Sign the signature strip on the back of the credit card as soon as possible. Avoid using too neat a signature when writing, and Use a signature that best represents you and do not alter it. Because when using the card, the merchant must check the signature on the purchase order and cash withdrawal form with the signature reserved on the back of the card before proceeding with the payment procedure to ensure that the card is not used fraudulently.

2. When you receive the password letter, please check whether the envelope is intact. If you find that the seal is damaged, please contact our bank immediately. If you have not received the password letter within 10 working days after activating your credit card, please contact the Bank in time to avoid the password letter being lost or stolen.

3. After receiving your personal password, please change your personal password as soon as possible to a six-digit number that is familiar to you but difficult for others to detect, and change it frequently.

4. Please remember your personal password and destroy the password letter. Once your password is found to be leaked, please notify the Bank as soon as possible.

2. When you use a credit card

1. When you handle business at bank counters, automated teller machines (ATMs) and other self-service equipment or use the card to make purchases, please note that Protect personal passwords from prying eyes.

2. When you swipe your card for consumption, please try to keep the credit card within your sight and pay attention to the number of times the cashier swipes the card.

3. Please confirm the transaction by credit card before signing the purchase form, and remember to take back your credit card. Please make sure that the style of your signature on the purchase form matches the signature on the signature line on the back of your credit card. Do not sign a purchase form with a blank or incomplete amount.

4. Before you enter a self-service bank equipped with an access control system or operate on self-service equipment such as an automatic teller machine (ATM), please pay attention to whether there is any abnormality in the machine body and whether there are any suspicious attachments around it, such as plug-ins. Bayonet attachments, suspicious posted notices, micro cameras, etc.

5. When you use an automatic teller machine (ATM), if the ATM does not dispense money or return the card, please do not walk away immediately. Please pay attention to the on-screen prompts and wait patiently. If it is determined that the card has been confiscated, please contact the bank promptly to collect the card and change the transaction password. Don't trust the phone number posted on the machine, and especially don't give your credit card PIN over the phone or to anyone.

6. Please keep copies of purchase orders and other card transaction receipts for your card purchases for reconciliation with monthly statements. If you find any unknown transactions, please contact the Bank immediately.

7. Please do not use online banking and telephone banking for transactions in public places.

8. When you shop online, please carefully choose websites and manufacturers with good qualifications for transactions, and be careful to keep online transaction records. If you make any unknown payments or find that your personal information may have been stolen, please contact the Bank immediately.

3. Keep your personal password confidential

1. Please store your ID card, credit card and personal password separately. Please do not write down your personal password on paper.

2. Please do not let others use your credit card and personal password.

3. Your password is only known to you personally, and no one (including bank staff) has the right to ask for your personal password.

4. Please do not enter bank card personal information casually on the Internet.

5. Please carefully confirm suspicious letters, emails, text messages, phone calls, etc. to avoid the other party from defrauding your card number and password and causing you to suffer unnecessary losses.

4. Keep credit cards carefully

1. Keep credit cards carefully to avoid scratches and distortions. Do not place two cards back to back to prevent the magnetic strips from rubbing against each other and degaussing. Do not place credit cards within the high magnetic range of microwave ovens, refrigerators and other electrical appliances, and try not to place them with magnetic items such as mobile phones, computers, PDAs, etc. to avoid demagnetization.

2. If you lose your credit card, please call our 24-hour customer service hotline immediately, or notify the local VISA or MasterCard card member. Customer service staff will provide help as soon as possible, and you do not need to bear any subsequent risks. .