Legal analysis: Article 196 of the Criminal Law is suspected of credit card fraud, and the amount of malicious overdraft is more than 50,000 yuan, reaching the standard of criminal filing.

Legal basis: Article 196 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if the amount of malicious overdraft of credit cards is more than 50,000 yuan but less than 500,000 yuan, it is deemed as a "large amount" of malicious overdraft of credit cards as stipulated in 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 the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in the criminal law.