It depends on how the bank handles it.

More than 10,000. If the bank calls the police, it may be suspected of credit card fraud.

The minimum penalty for credit card fraud is: imprisonment for not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.

Using a credit card to maliciously overdraft is a manifestation of the crime of credit card fraud. According to the judicial interpretation of the Supreme Court on the crime of fraud, the major identification standard is 5,000 yuan, so whether it violates the criminal law, 5,000 yuan is the point. If it's less than 5,000, it's a civil dispute, if it's more than 5,000, it's a crime. Of course he will go to jail if found guilty.

See Baidu Encyclopedia: Credit Card Fraud