Legal analysis: those who fail to pay back the credit card arrears after being urged are generally sentenced to fixed-term imprisonment of not more than five years.

If the credit card overdraws 6,543,800 yuan, criminal responsibility shall be investigated.

According to the law, if the credit card overdraft amount is more than 1000 yuan, and it is not paid back for more than three months after being collected by the bank twice, it can constitute the crime of credit card fraud, and criminal responsibility shall be investigated according to law.

Legal Basis: Judicial Interpretation of the Supreme Court on Credit Card Crimes 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 3 months after repeated collection by the issuing bank, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law.

For the purpose of illegal possession as stipulated in the second paragraph of Article 196th of the Criminal Law of People's Republic of China (PRC):

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;

(six) other acts of illegal possession of funds and refusal to return them.