If the credit card owes 5, yuan, it shall bear corresponding legal responsibilities, and the relevant provisions of Article 196 of the Criminal Law shall be applied. \xd\ xd \ Article 196 of the Criminal Law of the People's Republic of China \ xd \ commits credit card fraud in any of the following circumstances, and the amount is huge, so he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; \ xd \ xd \ 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 ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; \xd\ xd \ If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: \ xd \ (1) Using forged credit cards; \xd\ (2) using an invalid credit card; \xd\ (3) fraudulent use of another person's credit card; \xd\ (4) Malicious overdraft. \ xd \ xd \ The malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.