Legal analysis: According to relevant laws, if the crime of credit card fraud or loan fraud is constituted, and the total amount reaches 500,000, the number of years of imprisonment will be determined based on the respective sentences. The number of years of sentence will be known after the combined punishment.

Legal basis: Article 69 of the "Criminal Law of the People's Republic of China" If a person commits several crimes before the judgment is pronounced, except for those sentenced to death or life imprisonment, he shall be sentenced to less than the total sentence and several crimes. If the maximum term of imprisonment is more than the maximum term of the sentence, the term of execution shall be determined at discretion, but the maximum term of public surveillance shall not exceed three years, and the maximum term of criminal detention shall not exceed one year. If it is more than five years, the maximum period cannot exceed twenty-five years.

If any of the crimes are punishable by fixed-term imprisonment or criminal detention, the fixed-term imprisonment shall be implemented. If among several crimes, a person is sentenced to fixed-term imprisonment and public surveillance, or criminal detention and public surveillance, the public surveillance must still be implemented after the execution of the fixed-term imprisonment or criminal detention.

If additional penalties are imposed for several crimes, the additional penalties must still be executed. If the additional penalties are of the same type, they will be executed together, and if they are of different types, they will be executed separately.

Article 193 of the "Criminal Law of the People's Republic of China" falls under any of the following circumstances: for the purpose of illegal possession, defrauding banks or other financial institutions of loans, if the amount 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 ) Fabricating false reasons for introducing funds, projects, etc.;

(2) Using false economic contracts;

(3) Using false supporting documents;

< p>(4) Using false property rights certificates as guarantees or repeating guarantees exceeding the value of the collateral; (5) Using other methods to defraud loans.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the person 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 serious circumstances If the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a forged credit card, or using a false credit card (2) Using an expired 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.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.