A malicious overdraft on a credit card 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 payment for more than 3 months after being called upon twice by the card-issuing bank.

What kind of behavior constitutes credit card fraud?

Belonging to one of the following behaviors, and the amount is larger than that, constitutes the crime of credit card fraud.

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

If the amount is more than 10,000 yuan and less than 100,000 yuan, it is a "large amount"; if it is more than 100,000 yuan but less than 1 million yuan, it is a "huge amount"; if the amount is more than 1 million yuan, it is a "huge amount" "The amount is extremely huge." In other words, a malicious overdraft of more than 10,000 yuan constitutes the crime of credit card fraud.