Article 196 of the Criminal Law states that the amount of a malicious overdraft on a credit card is more than 5,000 yuan, and the case will only be filed when it meets the standards for filing a criminal case.

"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 Impeding the Management of Credit Cards" Article 5: Use of counterfeit credit cards, fraudulently obtained credit cards with false identity certificates, invalidation If the amount is more than 5,000 yuan but less than 50,000 yuan, it shall be deemed as a "larger amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 50,000 yuan but less than 50,000 yuan, If the amount is 500,000 yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 500,000 yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.

The term "false use of other people's credit cards" as mentioned in Item (3) of Article 196, Paragraph 1, of the "Criminal Law" includes the following situations: (1) Picking up other people's credit cards and using them; (2) ) Defrauding others of their credit cards and using them; (3) Stealing, bribing, defrauding or obtaining other people’s credit card information through other illegal means and using it through the Internet, communication terminals, etc.; (4) Other situations of fraudulently using other people’s credit cards.