所谓信用卡是由银行发行,并给予持卡人一定信用额度,持卡人可在信用额度内先支付后还款,具有消费、转账结算、存取现金等功能的信用支付工具,其以快捷、方便的服务和消费、购物等多功能的特点,深受消费者的青睐。但是信用卡在带给人们极大便利的同时,有关信用卡恶意透支案件也呈多发趋势。 The so-called credit card issued by the bank, and give the cardholder a certain credit limit, the cardholder can pay in the credit line after the first repayment, with spending, transfer settlement, access to cash and other functions of the credit payment tools to fast, Convenient service and consumption, shopping and other multi-functional features, favored by consumers. However, credit cards bring great convenience to people at the same time, the malicious credit card overdrafts cases also showed a tendency.