本文从盗窃罪、诈骗罪(含信用卡诈骗罪)和侵占罪的犯罪构成之比较为切入点,以实务案例分析为路径,着重分析了部分获得他人信用卡在ATM机使用行为的定性。由此,本文展开了对最高人民检察院对浙江省人民检察院呈报的《关于拾得他人信用卡并在ATM机上使用的行为应如何定性的请示》作出批复的定性分析。 This article from the theft crime, fraud (including the crime of credit card fraud) and embezzlement crime constitute the point of comparison as a starting point to practice case analysis as a path, focusing on the analysis of some access to other people’s credit card ATM machine use behavior qualitative. As a result, the paper started a qualitative analysis of the reply approved by the Supreme People’s Procuratorate to Zhejiang People’s Procuratorate on “How to Determine How to Pick up Others’ Credit Cards and Use them at ATM Machines”.