Malicious overdraft refers to the cardholder’s overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return it after two calls for more than 3 months, which shall be deemed as criminal law. "Malicious overdraft" as stipulated in Article 196. \x0d\ \x0d\The amount of malicious credit card overdraft refers to the amount that has been refused to be returned and has not yet been returned, excluding late payment fees, compound interest and other fees charged by the card-issuing bank. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. \x0d\ \x0d\ Corresponding criminal liability for malicious overdraft: if the amount exceeds 1 million yuan, the person may be sentenced to life\x0d\ \x0d\Amount-specific criminal liability\x0d\ For larger amounts of 10,000 to 100,000 yuan, the person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and concurrently A fine of not less than 20,000 yuan but not more than 200,000 yuan\x0d\If the amount is huge, the sentence is to be not less than five years but not more than 10 years in prison, and a fine of not less than 50,000 yuan but not more than 500,000 yuan\x0d\If the amount is more than 1 million yuan, Those who are particularly serious shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property.