（Adopted at the 13th Meeting of the Standing Committee of the Tenth National People's Congress on December 29， 2004）

颁布日期：20041229 　实施日期：20041229 　颁布单位：全国人大常委会

In light of the problems encountered in judicial practice， the Standing Committee of the National People's Congress has discussed the implication of “the credit card” prescribed in the Criminal Law and gives the interpretation as follows：

“The credit card” prescribed in the Criminal Law refers to the electronic payment card that is issued by commercial banks or other financial institutions and that performs the full part of the functions of payment of consumption， credit loan， transference and settlement， cash deposit and withdrawal， etc.

The Interpretation is hereby announced.