储蓄卡被盗刷属于信用卡诈骗吗-诈骗以及虚拟追回法律援助-法律咨询免费平台-国际律师联盟

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问题	储蓄卡被盗刷属于信用卡诈骗吗
释义	储蓄卡被盗刷不属于信用卡诈骗，储蓄卡不准备透支消费的功能，不属于信用卡范畴，当然也不是信用卡诈骗罪的犯罪对象。银行卡分为信用卡和借记卡两种，前者除具有转帐结算、现金存取和消费的功能外，还具有透支功能，即持卡人可以在发卡银行规定的信用额度内先消费后还款；后者与前者相比主要不同之处，就是不具备透支功能，持卡人必须按规定先交存一定金额的备用金，然后在备用金额度内进行转帐结算、存取现金或消费。显然储蓄卡不需要信用卡范畴，所以不具备透支消费功能。
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