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信用卡,是银行根据用户申请,依照一定的规定程序,发给用户用于购买商品、取得服务或提取现金的信用凭证。自1989年7月中国工商银行制定“牡丹”信用卡章程之后,其他专业银行也先后开办了信用卡业务,从而建立了我国信用卡制度,然而,恶意透支等利用信用卡进行违法犯罪的活动也出现了。针对这一实际,1995年6月,全国人大常委会《关于惩治破坏金融秩序犯罪的决定》(下称《决定》)中规定了信用卡诈骗的刑事和行政责任,新《刑法》
Credit card is issued by the bank according to the user’s application, in accordance with certain procedures, issued to users for the purchase of goods, services or cash withdrawals credit. Since July 1989, when Industrial and Commercial Bank of China formulated the “Peony” statute of credit card, other specialized banks also set up credit card business successively to set up the credit card system in our country. However, malicious credit card activities such as overdraft have also appeared . In response to this reality, in June 1995, the Criminal and Administrative Responsibilities of Credit Card Fraud were stipulated in the Decision of the NPC Standing Committee on Punishing Crimes against the Financial Order (hereinafter referred to as the “Decision”). The new Criminal Law