Malicious overdraft refers to the overdraft that the cardholder exceeds the prescribed limit or time limit for the purpose of illegal possession, and it is still not returned for more than 3 months after being repeatedly collected by the issuing bank, which shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

The amount of malicious overdraft of a credit card refers to the money that is refused to be returned and has not been returned, excluding the fees charged by the issuing bank such as late payment fees and compound interest. Malicious overdraft, the amount of which is more than 1, yuan but less than 1, yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1, yuan but less than 1 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 1 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

Criminal responsibility for malicious overdraft: more than 1 million yuan can be sentenced to indefinite criminal responsibility

p>p>1, ~ 1, yuan, with imprisonment of not more than five years or criminal detention

with a fine of not less than 2, yuan but not more than 2, yuan

with a huge amount of 1, ~ 1 million yuan, with imprisonment of not less than five years but not more than 1 years

with a fine of not less than 5, yuan but not more than 5, yuan <