论冒用他人信用卡诈骗

冒用他人信用卡,是信用卡诈骗罪的一种重要行为方式。被冒用的信用卡可以是冒用人通过合法途径得来的他人的信用卡,也可以是通过非法途径得来的他人的信用卡;可以是合法有效的真卡,也可以是伪造的信用卡或作废的信用卡;可以是有形的信用卡,也可以是账号和密码组成的数字信用卡;冒用的主体只能是除银行或信用卡特约商户工作人员和持卡人以外的第三人,盗划信用卡应以盗窃罪论处;冒用的方式包括自助式冒用和非自助式冒用,捡到他人信用卡并使用的,都应以信用卡诈骗罪论处。

A Discussion On Defraudation of False Use of Others' Credit Cards

The false use of others' credit cards is an important way of the defraudation crime with credit cards. The credit cards falsely used can be the following: others' credit cards obtained legally or illegally by the false user; tangible credit cards or digital credit cards consisting of account numbers and passwords. The subject of the false use can only be the third person besides the bank or the working personnel of the special user of the card and the card-holder. Using the card stealthily should be punished for the crime of stealing; the ways of the false use include the self-service use and non self-service use; using the others' credit cards picked up should be punished for the defraudation crime with credit cards.