1 used his ID card to apply for a credit card, and maliciously overdrawn more than 20,000 yuan, which constituted a large amount of credit card fraud. Be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and be fined not less than 20,000 yuan but not more than 200,000 yuan; Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "malicious overdraft for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law. If the amount is more than 654.38+10,000 yuan but less than 654.38+10,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law. Article 196 of the Criminal Law: Whoever commits credit card fraud or theft in any of the following circumstances, if 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 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 especially 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 confiscated property. The staff who handled the card were at fault and did not carefully check whether the person on the ID card was consistent with the card swindler.