The basis for sentencing after an overdue Guangfa credit card is based on the amount of arrears, with three gradients ranging from 10,000 to 100,000, 100,000 to 1 million, and more than 1 million, with sentences of less than five years and more than five years respectively. Fixed-term imprisonment of less than ten years and more than ten years. The amount owed is the unpaid amount on the credit card, excluding interest, late payment fees and other fees charged by China Guangfa Bank. After China Guangfa Bank calls for repayment twice, if the loan is still not repaid within three months, the bank can file a lawsuit with the court. During the trial, the court can determine the length of the sentence based on the gradient of the amount.

Legal Basis

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan; A fine of not more than 100,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card Credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.