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问题	恶意透支有哪些表现形式
释义	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。因此，恶意透支的表现形式为：一、持卡人超过规定限额，并且经发卡银行催收无效的二、持卡人超过规定期限，并且经发卡银行催收无效的法律依据《支付结算办法》第一百五十五条《中华人民共和国刑法》第一百九十六条
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