Credit card arrears of 5 thousand are generally not sentenced. The issuing bank can recover the arrears through legal means such as negotiation and litigation. Generally, if the amount of malicious overdraft of cardholders is more than 1 10,000 yuan, they are suspected of credit card fraud and may be sentenced.

legal ground

Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Public Security Organs to Jurisdicte Criminal Cases (II) Article 54.

Credit card fraud, suspected of one of the following circumstances, should be filed for prosecution:

(1) Using forged credit cards, or using forged identity documents to defraud credit cards, or using invalid credit cards, or fraudulently using other people's credit cards to engage in fraudulent activities, with an amount of more than 5,000 yuan;

(2) Malicious overdraft, the amount of which is more than 1 10,000 yuan.

The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being repeatedly urged by the issuing bank.

Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.