The criteria for registering malicious credit card overdrafts: the amount of malicious credit card overdrafts is more than 50,000 yuan.

The crime of credit card fraud refers to the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession, in violation of credit card management regulations, and to defraud a large amount of property.

Whoever commits credit card fraud under one of the following circumstances 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 If the circumstances are serious, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined 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, he shall be sentenced to fixed-term imprisonment of not less than 10 years but not more than 10 years, and shall also be sentenced to a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan or property confiscation:

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.

The above-mentioned malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still not returning the card after being called by the card-issuing bank.

Legal basis: Article 177-1 of the Criminal Law of the People's Republic of China

Whoever interferes with credit card management under any of the following circumstances shall be sentenced to three years in prison Not less than 10 years of fixed-term imprisonment or criminal detention, and concurrently or solely a fine of not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is to not less than three years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 20,000 yuan but not more than 200,000 yuan. The following fines are imposed:

(1) Holding and transporting credit cards knowing that they are counterfeit, or holding and transporting blank credit cards knowing that they are counterfeit and in large quantities;

(2) Illegally holding other people’s credit cards in large quantities;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, buying, or providing credit cards for others Providing forged credit cards or credit cards obtained fraudulently with false identification.

Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

Any employee of a bank or other financial institution who takes advantage of his position to commit the crime in Paragraph 2 shall be severely punished.