In the Interpretation of Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, two restrictions have been added to "malicious overdraft": first, the issuing bank has made two collections; Second, it is not returned for more than three months. This rules out the behavior that you didn't return it on time because you didn't receive the dunning notice or other dunning documents from the bank, which is not a "malicious overdraft". \ r \ nThe Interpretation clearly states that the following situations can be regarded as "for the purpose of illegal possession": knowing that there is no repayment ability, a large number of overdrafts cannot be returned; Spending overdraft funds and being unable to return them; Escape after overdraft, change contact information, and avoid bank collection; Withdrawing or transferring funds, concealing property or evading repayment; Using overdraft funds for illegal and criminal activities; Other illegal possession of funds and refusal to return them. \ r \ The amount of malicious overdraft of a credit card refers to the money that has not been returned but has not been returned, excluding the late payment fee and compound interest charged by the issuing bank. 1 10,000 ~ 1 10,000 is relatively large, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.