根据司法解释规定,信用卡诈骗犯罪有两种不同的定罪量刑标准。当行为人兼有恶意透支和其他信用卡诈骗行为时,应当合计其诈骗数额,适用恶意透支的定罪量刑标准予以处罚;但在合计犯罪数额后不影响量刑幅度的,本文提出应采取从一重处的原则。 According to the provisions of judicial interpretation, there are two different standards of conviction and sentencing for crimes of credit card fraud. When the perpetrator has both malicious overdraft and other credit card fraud, the amount of fraud should be summed up, and the criminal conviction and penalty standard applicable to malicious overdraft should be punished. However, after the total amount of crime does not affect the range of sentencing, in principle.