本文着重对犯罪主体及其客观方面作了阐述。只要提供了真实的姓名及身份证号码,即为合法持卡人;经合法持卡人许可而获取信用卡并使用的持卡人进行了恶意透支,除非有证据证明合法持卡人与借卡使用的持卡人之间进行了串通,否则不能对合法持卡人追究刑事责任。 This article focuses on the criminal subject and its objective aspects are described. Provided that the real name and identity card number is the legal cardholder; the cardholder who obtains the credit card and uses the card with the permission of the legitimate cardholder has malicious overdraft unless there is evidence that the legal cardholder and the debit card use Of collusion between cardholders, or can not be held criminally responsible for legal liability.