最高人民法院、最高人民检察院《关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释》第六条第四款对恶意透支型信用卡诈骗犯罪的构成要件作了具体解释:“恶意透支的数额,是指在第一款规定的条件下持卡人拒不归还的数额。不包括复利、滞纳金、手续费等发 The Supreme People’s Court and the Supreme People’s Procuratorate, Article 6, paragraph 4, of the ”Interpretation on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Hinder Credit Card Management“ specifically explains the constitutional elements of the criminal offense of malicious overdraft credit card fraud: ”The amount of malicious overdraft Refers to the amount that the cardholder refuses to return under the conditions stipulated in the first paragraph. It does not include compound interest, late fees, handling fees, etc.