Legal analysis: if the credit card owes 80,000 yuan, it will be sentenced to fixed-term imprisonment of not more than five years or criminal detention. If a party is investigated for criminal responsibility by the judicial organ for arrears, the people's court will find out the amount owed by the party's credit card when making a judgment. If the party owes 80,000 yuan, it will be considered as a large amount in the crime of credit card fraud, and it will be sentenced to fixed-term imprisonment of 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. However, the final specific punishment will depend on the arrears of the parties.

Legal basis: Article 8 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.