If the credit card owes 100,000 yuan, and the amount is huge, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. The credit card of 6,543,800 yuan belongs to a large amount, and the corresponding sentence is less than 5 years. If the amount of the principal in arrears reaches 1 10,000 yuan or more, and it has not been returned for more than three months after being collected by the issuing bank twice, it shall be deemed as malicious overdraft in criminal law, suspected of credit card fraud, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. If you don't pay it back for the time being, you will only generate interest and late fees. However, if the principal overdraft exceeds 6,543,800 yuan, the bank still refuses to repay the loan and may be subject to criminal punishment. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Including excluding compound interest, late fees, handling fees, etc. To be collected by the issuing bank.

Article 196th of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of credit card fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

How to judge credit card fraud

Whoever fraudulently uses another person's credit card to commit fraud must subjectively have the purpose of defrauding other people's property. Only the subjective intention of fraud and the objective behavior of fraudulently using other people's credit cards can constitute this crime. In practice, some credit card holders lend their cards to others, such as their relatives and friends. In the form of expression, users also fraudulently use other people's credit cards, but the behavior of users fraudulently using other people's credit cards is recognized by cardholders. Although this behavior violates the regulations on the use of credit cards, the user does not subjectively take possession of the cardholder's property for the purpose, so it does not have the essential characteristics of credit card fraud.