Legal analysis: owing 10,000 credit cards may lead to imprisonment of less than five years or criminal detention, and the crime of credit card fraud is 1 10,000 yuan, which belongs to the standard of "large amount" in the crime of credit card fraud. According to the law, the sentencing is: fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits the crime of credit card fraud under any of the following circumstances. If the amount is relatively large, he 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, or if there are other serious circumstances, he 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, or if there are other particularly serious circumstances, he shall be fined not less than 50,000 yuan but not more than 500,000 yuan.