According to relevant laws and regulations, cardholders who owe between RMB 100,000 and RMB 1 million shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than RMB 50,000 but not more than RMB 500,000.

If all the overdraft interest has been repaid after the public security organ files the case and before the People's Court pronounces its judgment, the person may be given a lighter punishment. If the circumstances are minor, the person may be exempted from punishment. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.