The threshold for malicious overdraft of credit cards has been raised. The Interpretation improves the conviction and sentencing standards of the original malicious overdraft credit card fraud. The case of "large amount" stipulated in Article 196 of the Criminal Law is changed from "more than 654.38 million yuan but less than 654.38 million yuan" to "more than 50,000 yuan but less than 500,000 yuan"; The situation of "huge amount" was changed from "65438+ less than 10,000 yuan 1 10,000 yuan" to "more than 500,000 yuan but less than 5 million yuan"; The case of "extremely huge amount" was changed from "1 10,000 yuan or more" to "5 million yuan or more". The Interpretation also clarifies the leniency principle of malicious overdraft credit card fraud. At the same time, the definition of the amount of malicious overdraft is also answered in the new Article 9 of the Interpretation. "The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case, excluding the interest, compound interest, late payment fees, handling fees and other expenses charged by the issuing bank. The amount returned or paid shall be regarded as the return of the actual overdraft principal. "