Legal analysis: credit card overdue 10.3 million months will be prosecuted and imprisoned. If the credit card is overdue for a certain amount and the credit card is overdue for more than 3 months, it will be considered as malicious overdraft, and the cardholder will be prosecuted by the bank for criminal responsibility and will go to jail. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged twice by the issuing bank, it shall be deemed as malicious overdraft. Malicious overdraft, the amount of which is more than 6,543,800 yuan but less than 6,543,800 yuan, shall be deemed as a large amount. If the amount is more than 654.38+10,000 yuan but less than 1 10,000 yuan, it is deemed as a huge amount. If the amount is more than 6,543,800 yuan, it shall be deemed as "extremely huge".

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be 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; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.