1. Article 196 of the "Criminal Law" stipulates the sentencing standards for the crime of credit card fraud:

1. 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 sentenced to two years. A fine of not less than 10,000 yuan but not more than 200,000 yuan;

2. 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. ;

3. If the amount is extremely huge or there are other particularly serious circumstances, the person 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 have property confiscated:

2. Based on the circumstances you described, it is possible to impose a suspended sentence.

1. The key plot is: surrender. The criminal law stipulates that surrendering can reduce the punishment, that is, reduce the punishment, and may be sentenced to 3 years.

2. The bank issued a letter of understanding, which is a circumstance that can lead to a lighter punishment. In addition, if you are a first-time offender and submit a revision, actively refund compensation, and plead guilty, you may be sentenced to probation.