Credit card arrears of 1 000 yuan or more, after two collections, are not paid back for more than three months, which is considered as malicious overdraft and can constitute the crime of credit card fraud. The amount and sentencing stipulated in the judicial interpretation are as follows:

1 10,000 ~ 1 10,000 yuan is relatively large, and it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention.

And impose a fine of not less than 20,000 yuan but not more than 200,000 yuan.

10000 ~ 1000000 yuan, if the amount is huge, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years.

And impose a fine of not less than 50 thousand yuan but not more than 500 thousand yuan.

If the amount of 654.38+0 million yuan is extremely huge, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment.

And impose a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property.