According to the regulations, if the credit card has been repaid but the amount is insufficient, exceeding the prescribed limit or time limit, and it is still not returned after being collected by the issuing bank for more than 3 months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. You will be prosecuted.
The amount of malicious overdraft of credit card refers to the unpaid amount, excluding the late payment fee and compound interest charged by the issuing bank. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
Criminal liability for malicious overdraft: 6,543,800 yuan or more can be sentenced to indefinite period.
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, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years.