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1·First, I was not intentionally malicious overdraft, and is the first time this happens.

第一，我不是故意恶意透支的，且是第一次发生这种情况。

2·But the bank card has led blindly spamming dormant CARDS, cash and other malicious overdraft and increased financial risk.

但银行盲目地滥发卡却导致休眠卡、恶意透支与套现等金融风险的提高。

3·As holders accepted 24 hours after the time of the risk of loss borne by the card-issuing Banks, many of the risk of loss finally evolved into fake malicious overdraft risk.

由于持卡人挂失之时起24小时之后的风险损失由发卡银行承担，许多的遗失假冒风险到最后就演变成了恶意透支风险。

4·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.

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。