1. What are the standards for filing a case for credit card fraud? According to the provisions of Article 54 of the "Regulations of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Filing and Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs (2)", credit card fraud is carried out Fraudulent activities, if suspected of any of the following circumstances, shall be filed for prosecution: (1) Using forged credit cards, or using credit cards fraudulently obtained with false identification, or using invalid credit cards, or fraudulently using other people's credit cards to conduct fraudulent activities , the amount is more than 5,000 yuan; according to the provisions of the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" (revised in October 2018 and effective as of December 1, 2018), use Forged credit cards, credit cards fraudulently obtained with false identity certificates, invalid credit cards, or fraudulently using other people’s credit cards to commit credit card fraud 1. Large amounts: more than 5,000 yuan but less than 50,000 yuan 2. Huge amounts: less than 50,000 yuan More than RMB 500,000 but less than RMB 500,000 3. The amount is particularly huge: more than RMB 500,000 (2) Malicious overdraft. The "malicious overdraft" stipulated in this article means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the card for more than three months after two effective calls by the card-issuing bank. The amount of malicious overdraft refers to the actual overdraft principal amount that has not been repaid when the public security organ files a criminal case, excluding interest, compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal. If the amount of malicious overdraft is relatively large and the amount is fully returned before public prosecution is initiated or there are other minor circumstances, prosecution may not be required; if the amount is fully returned before the first instance judgment or there are other minor circumstances, criminal punishment may be waived. However, those who have been punished more than twice for credit card fraud are excluded. Judging from the provisions of the "Interpretation on Several Issues Concerning the Specific Application of Laws in the Handling of Criminal Cases Obstructing the Management of Credit Cards" (revised in October 2018 and effective from December 1, 2018), 1. The amount is relatively large: within 50,000 yuan More than 500,000 yuan but less than 500,000 yuan 2. The amount is huge: more than 500,000 yuan but less than 5 million yuan 3. The amount is especially huge: more than 5 million yuan. Regarding the crime of credit card fraud, it is more common to maliciously default on repayment. Only when the required amount reaches the prescribed amount can the crime of credit card fraud be constituted. Therefore, generally when you default on a credit card maliciously, you do not necessarily have to go to jail. Usually it is a civil dispute and will naturally be handled in accordance with the provisions of the civil law.