It constitutes a crime if it reaches 10,000 yuan.

It constitutes a crime if it reaches 10,000 yuan. For the purpose of illegal possession, if the amount exceeds the prescribed limit or the prescribed period is overdrafted, and the card-issuing bank fails to return it for more than 3 months after two collections, the amount is more than 10,000 yuan, which constitutes the crime of credit card fraud.

How to calculate credit card cash-out interest?

For the calculation of credit card debt interest, credit cards generally have a three-day grace period after the repayment date. Repayment within the grace period is deemed to be repayment on time. If the repayment amount is less than the minimum repayment stipulated by the bank, it will be considered overdue, and interest will be charged at 0.05%. In addition, a late fee of 5% of the unpaid portion of the minimum repayment amount will be charged; if the repayment amount is greater than or equal to the minimum repayment, if it is less than the full If you repay the amount, you need to pay interest at 0.05.

I hope the above content will be helpful to you. If you have any other questions, please consult a professional lawyer.

Legal basis: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or regulations for the purpose of illegal possession. If the card is overdrafted within the time limit and is still not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. Malicious overdrafts should be investigated for criminal liability, but if all the overdrafts and interests have been repaid after the public security organ files the case and before the people's court makes a judgment, they may be given a lighter punishment. If the circumstances are minor, they may be exempted from punishment. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.