A credit card exceeding 50,000 is not necessarily a criminal case.

Credit cards exceeding 50,000 are not equivalent to criminal cases. This involves legal definition and distinction. Generally speaking, if the amount of a transaction exceeds a certain amount, it may trigger suspicion of illegal activities, which may involve the investigation and handling of criminal cases. However, not all transactions exceeding RMB 50,000 will be considered criminal cases, and a comprehensive judgment needs to be made based on the specific circumstances and relevant laws and regulations.

If the principal amount of credit card debt exceeds 50,000 yuan, and there is a malicious overdraft, it is a criminal case, and the cardholder needs to bear dual civil and criminal responsibilities.

Malicious overdraft is for the purpose of illegal occupation; overdraft exceeds the prescribed limit or prescribed period, and the behavior of not returning it after being called by the card-issuing bank is as follows:

1. Knowingly not repaying the money A large amount of overdraft due to lack of ability, which cannot be returned;

2. The overdrafted funds are squandered wantonly and cannot be returned;

3. Escape after overdraft, change contact information, and avoid bank collection;

4. Escape and transfer funds, conceal property, and evade repayment;

5. Use overdraft funds to carry out illegal and criminal activities;

6. Other acts of illegally possessing funds and refusing to return them.

In summary:

A credit card exceeding 50,000 does not necessarily constitute a criminal case. The size of the amount is only one factor in determining whether a criminal case is constituted. Other factors also need to be considered, such as the nature of the transaction, the purpose of the transaction, and the legal regulations involved. Only when these factors comply with the provisions of relevant laws can it be deemed a criminal case. Credit card debts with a principal of less than 50,000 yuan are civil cases. If the credit card debt principal is more than 50,000 yuan and there is a malicious overdraft, it is a criminal case, and the cardholder needs to bear dual civil and criminal responsibilities.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196

There are the following In one of the circumstances, whoever commits credit card fraud and 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; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than five years and not more than 10 years of imprisonment. to a fixed-term imprisonment of not more than 10 years and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to not less than 10 years in prison or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property:

1. Using a forged credit card, or using a credit card fraudulently obtained with false identification;

2. Using an expired credit card;

3. Pretending to use other people’s credit cards;

4. Malicious overdraft.