If Zhang San cashed in his bank credit card and lost to Li Si for gambling, now Zhang San has no money and still owes a bank letter.
Article 196 of the Criminal Law stipulates that the act of overdraft exceeding the prescribed limit or time limit and not repaying after being collected by the card issuing unit belongs to the crime of credit card fraud. Those who maliciously overdraw more than 5,000 yuan may be investigated for criminal responsibility for the crime of credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.