论信用卡诈骗案件的侦查

信用卡诈骗案件的立案应谨慎,严格刑法入罪,对信用卡透支到期不还的行为不能都以犯罪论处,刑法重在打击恶意透支行为。侦查机关应分析犯罪分子作案规律,严密布控,伺机抓获现行,或从涉案信用卡入手挖掘侦查线索。侦查人员应注重现场勘查,从犯罪分子遗留信息如监控录像记录、指纹、通信和住宿登记信息等入手突破案情。还可以通过对POS机商户的业务进行排查,发现可疑线索,集中查处一批信用卡诈骗案件。侦查中,应注意针对行为人的非法占有目的进行证据收集,如伪造的或作废的信用卡、催收记录等。

On the Investigation of Credit Card Fraud

To place credit card fraud on file for investigation and prosecution should be discreet. Not all credit card overdrafts are convicted as crime. Criminal law must focus on cracking down malicious overdraft. Investigation organs should analyze regularity of credit card fraud, make tight control and watch a chance to fight the crime in progress, or look for clues form the involved credit card. Investigators should pay attention to inspection of crime scene to solve the case from the remained evidence on the crime scene monitor such as videos, fingerprints, communication and accommodation information, etc. What’s more, one by one investigation of suspicious POS merchants may find clues to inspect a number of credit card frauds. Investigators should purposely gather evidence such as forged or cancelled credit cards, records of collecting overdue accounts and so on, which can prove the existence of the purposes of illegal possession.