In the field of objective requisites of crime , the crime of credit card fraud includes 4 objective conformation : using false credit card , using obsolete credit card , using others " credit card , maliciously overdrawing 在客观要件上，信用卡诈骗罪的客观形态有四种：使用伪造的信用卡；使用作废的信用卡；冒用他人信用卡；恶意透支。
Secondly , it analyses the constitution of the crime of credit card fraud , as for the difference about culprit between legislation and judicial practice , we should take up amplified interpretation 其次，对信用卡诈骗罪构成理论作了具体分析。针对信用卡诈骗罪主体在立法与司法上的不统一。我们应从把握本质的角度出发，对其作出扩大解释。
A credit card fraud syndicate member was jailed for 32 months for his role in a false card scam involving the capturing of card data at a restaurant , causing 425 , 700 losses to the card issuing banks 一名信用卡诈骗集团成员因参与一宗假卡骗案，指使他人在酒楼内套取顾客信用卡资料，导致发卡银行损失四十二万五千七百元，被判入狱三十二个月。
Credit card fraud happens when consumers give their credit card number to unfamiliar individuals , when cards are lost or stolen , when mail is diverted from the intended recipient and taken by criminals , or when employees of a business copy the card or card numbers of a cardholder 当消费者将信用卡号码给了不熟识的人、信用卡遗失或遭窃、邮件被偷或被罪犯利用、公司职员复印他人信用卡或卡号，信用卡诈骗案就发生了。
The article try to discuss the topic of guilty of credit card cheating from three aspects : firstly , i do some research of the composing elements of guilty of credit card cheating and manage to logically analyze the five behaviors ; secondly , so as to adjust the occasion of difficulty chinese to recognize the relative problems in practice of guilty of credit card cheating , concentrating on the behavior of “ stealing and using credit card ” ; finally , i advance overdraft guilty of credit card , the subjects of credit card guilty and the stealing and usage of credit card provided in chinese present “ crimminal law ” 本文针对信用卡诈骗罪的有关问题,从三个方面作了探讨:首先,对信用卡诈骗罪的构成要件进行了研讨,对五种行为方式进行了理性分析;其次,针对我国司法实践中对信用卡诈骗罪的有关问题难以认定的情形进行了较为科学的厘正,重点探究了“盗窃信用卡并使用”的行为;最后,对我国现行《刑法》关于恶意透支型信用卡犯罪、信用卡诈骗罪的主体、盗窃信用卡并加以使用的犯罪行为等问题提出了完善立法的建议。
The attitudes offered in the article include : recognize respectively the behaviors of counterfeiting and credit card , cheating and usage of credit card on different occasions ; set an individual crime of malicious overdraft of credit card ; add unit criminal subject of guilty of credit card cheating ; recognize the behavior of stealing and usage credit card as guilty of credit card cheating 本文的主要观点:对伪造信用卡并使用的行为、骗取信用卡并使用的行为应根据不同情况分别认定;恶意透支型信用卡犯罪应独立成罪;增设信用卡诈骗罪的单位犯罪主体;盗窃信用卡并使用的行为应认定为信用卡诈骗罪。
