我国刑法中,恶意透支是信用卡诈骗罪的常见表现方式之一。信用卡的日益普及给人们的日常生活带来了极大的便利,同时,有关信用卡恶意透支的刑事案件也呈多发趋势,但我国目前关于信用卡的立法相对于实务的发展具有一定的滞后性。本文从信用卡恶意透支的特点及现状,进而提出一些关于防范和控制的建议。 In our criminal law, malicious overdraft is one of the common expressions of credit card fraud. The increasing popularity of credit cards has brought great convenience to people’s daily life. At the same time, criminal cases concerning malicious overdraft of credit cards also tend to occur. However, the current legislation on credit card in our country lags behind the development of practice. This article from the credit card malicious overdraft characteristics and status quo, and then put forward some suggestions on prevention and control.