Legal analysis: 1. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than 3 months after repeated collection by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. 2, malicious overdraft, the amount of more than 654.38+00000 yuan but less than 654.38+000000 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. Your parents have no legal obligation to pay for your brother. 4. 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 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.

Legal basis: Article 6 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management: If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after two effective reminders by the issuing bank, it shall be deemed as' malicious overdraft' as stipulated in Article 196 of the Criminal Law. The purpose of illegal possession should be judged according to the cardholder's credit history, repayment ability and willingness, the application and overdraft of credit cards, the use of overdraft funds, the performance after overdraft, and the reasons for not repaying according to regulations. It is not allowed to identify the purpose of illegal possession just because the cardholder fails to repay the loan according to the regulations. In any of the following circumstances, it shall be deemed as' for the purpose of illegal possession' as stipulated in the second paragraph of Article 196 of the Criminal Law, except that there is evidence to prove that the cardholder does not have the purpose of illegal possession: (1) knowing that he is unable to repay, he overdraws a lot and cannot return; (2) After applying for a credit card with a false credit certificate, it is overdrawn and cannot be returned; (3) Escaping after overdraft or changing contact information to avoid bank collection; (4) evading or transferring funds, concealing property or evading repayment; (five) the use of overdraft funds for criminal activities; (six) other illegal possession of funds, refused to return.