The amount of malicious overdraft of credit card refers to the unpaid amount, excluding the late payment fee and compound interest charged by the issuing bank. If the amount is more than 654.38+10,000 yuan but less than 1 10,000 yuan, it shall be deemed that the amount stipulated in Article 196 of the Criminal Law is huge. 65438+ 10,000 yuan or more 1 10,000 yuan or less is huge, he 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 50,000 yuan but not more than 500,000 yuan. According to the criminal policy of combining leniency with severity, those who repay overdraft interest before the court decides or the public security organ files a case will be given a lighter punishment or will not be investigated for criminal responsibility. If the arrears have been overdue for three consecutive periods, it is very difficult to borrow money from the bank, so you can only borrow money from private individuals, relatives and friends to pay back your credit card. If you haven't paid back the debt for three consecutive periods, you can also try to borrow some money from some banks and pay off the credit card overdraft first. If the 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 being urged twice by the issuing bank, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft of credit card refers to the unpaid amount, excluding the late payment fee and compound interest 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. Criminal responsibility corresponding to malicious overdraft: unlimited qualitative criminal responsibility ranging from RMB 6,543.8+0,000 to RMB 6,543.8+0,000 can be imposed; If the amount is relatively large, he 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, he 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 more than 50,000 yuan.