The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:

Article 60 Where a cardholder overdraws with his unit card, his unit shall be responsible for repaying the overdraft amount and paying overdraft interest. The cardholder overdraws with the supplementary card of the personal card.

The main cardholder is responsible for repaying the overdraft amount and paying overdraft interest; If the cardholder of the main card loses the repayment ability, the cardholder of its subsidiary card shall be responsible for repaying the overdraft amount and paying the overdraft interest.

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Relevant provisions of the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 35 The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case, excluding interest, compound interest, late fees, handling fees and other fees charged by the issuing bank. The amount returned or paid.

It is regarded as repayment of the actual overdraft principal. When examining and prosecuting, the procuratorial organ shall, according to the transaction details, classified bills (overdraft bills, repayment bills) and other evidential materials provided by the issuing bank.

Article 36? Examining and determining the amount of malicious overdraft; If it is difficult to determine the amount of malicious overdraft, it shall be examined and determined according to evidence materials such as judicial accounting and audit reports.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business