Legal analysis: if the credit card leaflet does not exceed 5,, it will not be sentenced, and it should be returned in time. According to the law of our country, if the amount of malicious overdraft is more than 5, yuan but less than 5, yuan, it should be considered as "a large amount" as stipulated in Article 196 of the Criminal Law, and the large amount is the starting point for punishment. Although it will not bear criminal responsibility, it should bear civil responsibility.

Legal basis: Article 8 of the 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 of Impairment of Credit Card Management, if the amount of malicious overdraft is more than 5, yuan but less than 5, yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5, yuan but less than 5 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 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.