Failure to pay back the credit card will affect the personal credit record, limit high consumption and bring inconvenience to life. Serious enough to constitute a malicious overdraft of credit cards, the crime of credit card fraud is established. 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. A large amount refers to more than 6,543,800 yuan but less than 6,543,800 yuan.

Legal basis:

Article 196 of the Criminal Code of People's Republic of China (PRC).

Those who maliciously overdraw credit cards and engage in credit card fraud activities, if the amount is relatively large, 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.

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Affecting Credit Card Management Article 6.

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and the card-issuing bank fails to repay it for more than three months after two collections, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

Malicious overdraft, the amount of which is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as "a 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.