“盗窃信用卡并使用”中的“盗窃”是指采用平和的方式取得他人占有的信用卡;仅限于真实、有效,能够正常使用的信用卡;“并”不使用信用卡的可能构成妨碍信用卡管理罪;“使用”是按信用卡特有的电子支付卡的功能和用途加以利用;使用后透支不能以恶意透支认定;该犯罪的着手以使用行为开始为准,以达到盗窃罪数额为犯罪既遂的标准。 “Theft ” in “Theft and use of credit card ” refers to the credit card that is obtained by peaceful means for the possession of others; only valid, valid and credit card; “and ” may not constitute a credit card Hinder credit card management; “use ” is used according to the function and purpose of credit card-specific electronic payment card; after use, overdraft can not be determined by malicious overdraft; and the criminal proceeding starts with the use of the act to achieve the amount of theft Accomplished standard for crime.