Malicious overdraft means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after being collected twice by the issuing bank for more than 3 months, which shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\ \x0d\ The amount of malicious overdraft of a credit card refers to the money that has been refused to be returned and has not yet been returned, excluding the late payment fee, compound interest and other fees charged by the issuing bank. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, 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. \x0d\ \x0d\ criminal responsibility corresponding to malicious overdraft: if the amount is more than 6,543.8+0,000 yuan, you can be sentenced to life \x0d\ x0d \ qualitative criminal responsibility \ x0d \ 6543.8+0,000 ~ 6,543.8+0,000 yuan, if the amount is relatively large, you will be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and you will also be sentenced to more than 20,000 yuan and 200 yuan. If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated.