If you default on a bank credit card for more than 50,000 yuan, you will be prosecuted. According to the law, an arrears of more than 50,000 yuan constitutes a malicious default on a credit card in a criminal offense.

According to Article 8 of the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards": Malicious overdraft, the amount of which is more than 50,000 yuan but less than 500,000 yuan, shall be deemed to be a first-class crime under the Criminal Law A "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 5 million yuan, If the amount exceeds RMB 100, it shall be deemed as an “especially huge amount” as stipulated in Article 196 of the Criminal Law.

Extended information:

Article 196 of the "Criminal Law of the People's Republic of China" falls under any of the following circumstances: if the amount of credit card fraud is relatively large, Whoever commits a crime 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 particularly serious circumstances, the sentence shall be not less than 10 years in prison 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 identification;

(2) Using an invalid 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.

China's Supreme People's Procuratorate - Several explanations on the specific application of laws in handling criminal cases of obstructing credit card management