It is okay and not illegal to transfer money back and forth between two overdraft cards to maintain a delinquent card.

Overdraft cards generally refer to credit cards. The act of non-malicious overdraft itself is a normal temporary loan relationship. Transferring money back and forth between two overdraft cards in order to repay the loan and interest on time is not in itself. Illegal. If you are unable to repay the loan for some reason, you need to raise money from other channels to repay it promptly. If it constitutes a malicious overdraft, you will be prosecuted by the bank at the least, and you will be held criminally responsible at the worst.

A malicious overdraft shall be considered illegal if the amount is more than 10,000 yuan and less than 100,000 yuan. The larger amount is stipulated in Article 16, and the amount is more than 100,000 yuan and less than 1 million yuan. The huge amounts stipulated in Article 16 should be considered illegal.

Article 195 of the "Criminal Law of the People's Republic of China" The crime of letter of credit fraud falls under any of the following circumstances. Anyone who conducts letter of credit fraud 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 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances For other particularly serious circumstances, the offender 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 have property confiscated:

(1) Using a forged or altered letter of credit or accompanying documents or documents;

(2) Using a voided letter of credit;

(3) Fraudulently obtaining a letter of credit;

(4) Carrying out letter of credit fraud through other methods.

Article 196: The crime of credit card fraud falls under any of the following circumstances. If the amount of credit card fraud is relatively large, the person 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 and 20 yuan. A fine of not more than 10,000 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. to fixed-term imprisonment of not less than 1 year or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.