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盗窃、侵占、骗领、借用等方式持卡人不是刑法意义上的“持卡人”。“超限额”恶意透支实践中是不可能的。对于“超期限”的认定应强化对催收通知时间节点的证据固定。对于“不归还”的认定,应区分情况对待。在计算数额时,犯罪数额是指透支金额的本金,案发前已经退出的部分透支款,或者以后一次透支的款项归还前一次透支款项的,应予以扣除。
Theft, encroachment, fraud, borrowing, etc. Cardholders are not “cardholders” in the sense of criminal law. “Over limit ” malicious overdraft practice is impossible. The recognition of “expiration date ” should reinforce the fixed evidence of the time point of the reminder notification. For the “not return ” identified, should be treated differently. In calculating the amount, the amount of crime refers to the principal amount of the overdraft amount, part of the overdraft amount that has been withdrawn before the incident, or the amount of the overdraft amount returned to the previous overdraft amount shall be deducted.