哪些行为构成恶意透支信用卡？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	哪些行为构成恶意透支信用卡？
释义	法律分析：信用卡恶意透支是指持卡人以非法占有为目的，超过规定限额或者规定期限透支，并且经发卡银行催收后仍不归还的行为。信用卡恶意透支行为包括两种基本行为方式：超过规定限额透支；超过规定期限透支，即在规定的时间内没有归还本息。法律依据：《中华人民共和国支付结算办法》第一百五十五条持卡人使用信用卡不得发生恶意透支。恶意透支是指持卡人超过规定限额或规定期限，并且经发卡银行催收无效的透支行为。
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