Article 196 of the Chinese criminal Law provides for the crime of credit card fraud, in which the third paragraph stipulates: "Anyone who steals a credit card and uses it shall be convicted and punished by the provisions of Article 264 of this Law." The nature of this provision is controversial. How to apply in judicial practice is not consistent. This paper, using a specific case for entry, focuses on the analysis of the advantages and disadvantages of the application of the doctrine, to further clarify the nature of the provisions of the paragraph, and optimize the judicial application in the future.