• 208. The law fair, legalityvision, legal practice of malicious overdraft credit card fraud investigation department, and hubei digest: as the credit card market grows, credit card crimes, especially credit card fraud, are on the rise, with more than half of the credit card fraud crimes being committed. It is therefore necessary to explore the identification, characteristics and causes of such crimes and to propose countermeasures to preserve the stability of credit card management, protect the property security of banks and cardholders, and thus contribute to the healthy development of our credit card industry. Keywords: malicious overdraft credit card fraud cases; reasons; characteristics; detection response: d924. 3 document identification number: article number a: 2095 private 791 2015 06-0208-02: introduction by wang fang (1973), woman, hubei songsin, master of arts, certified accountant, lecturer in investigation, hubei police academy, research direction: economic crime investigation. Since the first real international credit card was issued by the guangdong development bank in 1995, and with the continued rapid economic development of the country and the widespread use of information technology, credit cards have become the main non-cash payment tool for people's daily socio-economic life. With the increasing number of credit card-related offences, in particular credit card fraud, which, according to statistics, account for 71. 4 per cent of credit card fraud, it is necessary to examine the investigative response based on the identification of cases of such crimes and the analysis of their characteristics and causes, in order to maintain the order of credit card management and to protect the property of banks and cardholders from abuse. 1. The so-called malicious overdraft credit card fraud offence was established in the case of malicious overdraft credit card fraud, where the holder had exceeded a prescribed limit or a prescribed period of overdraft for the purpose of illegal possession and had not returned it for more than three months after two reminders from the issuing bank, which constituted a larger offence. The most important distinction between malicious overdrafts and bona fide overdrafts was found in this category, and it was first necessary to analyse whether the perpetrator had a subjective and unlawful intention of taking overdrafts. The second is to determine whether, objectively, the limit or overdraft has been exceeded and has not been returned for more than three months after the receipt of the two reminders, which should be for the holder and have a time limit of three months. Lastly, a malicious overdraft must amount to more than $10,000 in order to be recognized as an offence in this category, or as a general offence. The reasons for, and characteristics of, the high incidence of malicious overdraft credit card fraud offences have been high in recent years, with a high proportion of malicious overdraft card fraud offences, the causes and characteristics of which are as follows: (i) the reasons for the current high incidence of malicious overdraft card fraud offences are mainly the following: one is the result of poor and over-recognizing of some card banks. As a result of the increasing commercial competition among banks, some banks, in order to achieve profits or in order for their staff to perform their tasks, do more or less have over-trusted or directly filled out information on the ability and willingness of the applicant to pay without substantial review by the operator. The signature of the applicant is sufficient to make it impossible for the bank to review the basic circumstances and creditworthiness of the credit card applicant. And most banks can't be effective...
