If a credit card debt exceeds RMB 10,000 and is not repaid for more than 3 months after two collections by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Suspected of credit card fraud and will be held criminally responsible. After the bank reports the crime, the public security organ will file a criminal case. If the suspect is not brought to justice, he will be wanted online. \x0d\ "Criminal Law" \x0d\ A fine of not more than 200,000 yuan; 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 a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, 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:\x0d\　(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; \x0d\　(2) Using an expired credit card;\x0d\　(3) Pretending to use another person's credit card;\x0d\　(4) Malicious overdraft. \x0d\ "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" \x0d\ Article 6 The cardholder exceeds the prescribed limit or overdraws within the prescribed period for the purpose of illegal possession, and If the card is not returned for more than three months after being called upon twice by the issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\ Any of the following circumstances shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: \x0d\ (1) A large overdraft, knowing that one has no ability to repay, and unable to Returned; \x0d\ (2) Wanton squandering of overdraft funds that cannot be returned; \x0d\ (3) Escape, change contact information, and avoid bank collection after overdraft; \x0d\ (4) Escape, transfer funds, and conceal Property and evading repayment;\x0d\　(5) Using overdraft funds to carry out illegal and criminal activities;\x0d\　(6) Other behaviors of illegally possessing funds and refusing to return them. \x0d\　A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "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 It shall be determined 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 an "especially huge amount" as stipulated in Article 196 of the Criminal Law.