本文通过实际数据阐述了恶意透支型信用卡诈骗罪在法律实务中出现的问题，并分析了相关原因，提出了相应对策。
This paper described the problems of malicious overdraft of credit card fraud by the actual data, and analyzed the related reasons, and put forward corresponding countermeasures.
恶意透支不具有诈骗的实质，不宜定信用卡诈骗罪，有必要另立罪名。
Malicious overdraw without swindle essence may not be determined as credit CARDS crime of Swindling and it is necessary to create a new accusation.
由于持卡人恶意透支的行为已构成信用卡诈骗犯罪，担保人的还款行为只影响透支人量刑，不影响定罪。
Because the holder's behavior of overdrawing has constituted the vicious overdraw crime, the payment of guarantor can only influence the measurement of penalty.
由于持卡人恶意透支的行为已构成信用卡诈骗犯罪，担保人的还款行为只影响透支人量刑，不影响定罪。
Because the holder's behavior of overdrawing has constituted the vicious overdraw crime, the payment of guarantor can only influence the measurement of penalty.
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