The principal of the credit card reaches 50,000, which involves malicious overdraft of the credit card and constitutes the crime of fraud. It is a criminal procedure and is likely to be fined and imprisoned. Banks with credit cards below 50 thousand may also sue, but it is a civil lawsuit. After the prosecution, you don't have to bear criminal responsibility, just refund the money.
China's criminal filing standard clearly stipulates that the subject matter of overdraft only refers to the principal, excluding interest, penalty interest, late fees, handling fees and other expenses.
However, according to actual cases, it should refer to a single family, because in China's litigation procedures, there is a rule that whoever advocates gives evidence, that is, the parties give evidence to prove their claims.
Legal basis:
Criminal law of the people's Republic of China
Article 196
Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, 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 especially 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 confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(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.