For the perpetrator who uses picked-up credit cards to withdraw money at bank counters and go shopping or consume in contracted merchants, since this act deceives bank staff or supermarket and consumption place staff by concealing the fact that they are not the authorized cardholder of the credit card, thereby illegally possessing and using other people's money. If the amount is relatively large, then this act falls under the category of impersonating others for credit card fraud activities, which generally constitutes the crime of fraud without much controversy.