司法实践中,常常出现信用卡合法持卡人与实际持卡人分离的现象,加剧了对信用卡诈骗罪理解适用方面的难度。对于信用卡诈骗罪中的虚假身份证明应当作限缩解释,将工作证、资信证明等排除在外。对于冒用行为,法规明确合法持卡人无权出借信用卡给他人使用,但合法持卡人出借信用卡的会阻却冒用行为的犯罪构成。对于恶意透支,则要分析持卡人有无非法占有的目的,部分还款行为不影响非法目的的成立。 In judicial practice, the phenomenon that the legal cardholder of the credit card is separated from the actual cardholder often aggravates the difficulty in understanding the application of the credit card fraud. For credit card fraud in the false identity should be limited to explain the contraction, the work permits, credit certificates, etc. excluded. For fraudulent use, the law states that a legitimate cardholder is not entitled to lend a credit card to others for use, but a legitimate cardholder who borrows a credit card may prevent the fraudulent use of the crime. For malicious overdraft, we must analyze whether the purpose of illegal possession of cardholders, part of the repayment behavior does not affect the establishment of illegal purposes.