1. In addition to paying interest, overdraft credit cards have to pay a high late fee if they can't repay in time, which affects personal credit records. Malicious overdraft will also be suspected of constituting credit card fraud. 2. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being collected twice by the issuing bank, it can be considered as malicious overdraft, which constitutes the crime of credit card fraud. 3. If the overdue amount is 6,543.8+0,000-6,543.8+0,000, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan; 65438+ 10,000-1 10,000, sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and fined not less than 50,000 yuan but not more than 500,000 yuan; 1 10,000 yuan or more 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.