Malicious overdraft means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after being urged twice by the issuing bank, which shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

The Supreme People's Law and the Supreme People's Procuratorate jointly issued a decision. From 20 18, 12, 1, if the amount of malicious overdraft credit card is more than 50,000 yuan but less than 500,000 yuan, it will be considered as a "large amount" of malicious overdraft credit card stipulated in the criminal law.

The content of this article comes from: China Law Publishing House "The All-knowing Series of Common Sense of Legal Life".