论信用卡诈骗案件催收效力问题的认定——以恶意透支信用卡诈骗为例

On the recognition of the collection effect of credit card fraud——A case study of malicious overdraft credit card fraud

信用卡发卡行催收效力的认定是信用卡诈骗犯罪是否成立的关键。恶意透支型信用卡诈骗犯罪是信用卡诈骗犯罪的主要犯罪类型。司法实践对于发卡行催收效力的认定经历了从单一向综合的方式转变,体现了刑事司法理念对社会经济规律的遵循,但关于最低还款额、账单日及还款协议在催收效力认定中的作用还有待于进一步的规范。

The recognition of the collection effect of the card issuer is the key to the establishment of credit card fraud.Malicious overdraft credit card fraud is the main type of crime of credit card fraud.The recognition of the collection effect for the card issuer in judicial practice has transformed the way from single to comprehensive,which reflects that the concept of criminal justice follows the social and economic laws,but it need to be further standardized on the role of the minimum amount of repayment,bill date and repayment agreement in the recognition of the collection effect.