Legal basis: Article 17 of the Measures for the Administration of Credit Card Business allows cardholders to overdraw for consumption purposes within the limits and time limits stipulated in these Measures. Gold card overdraft limit 10000 yuan, ordinary card 5000 yuan. Article 18 of the Measures for the Administration of Credit Card Business: The maximum overdraft period of a credit card is 60 days. Article 19 of the Measures for the Administration of Credit Card Business: The overdraft interest of credit cards shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest if the overdraft amount exceeds 30 days. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount. Article 21 of the Measures for the Administration of Credit Card Business refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after collection by the issuing bank. Article 196th of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of credit card fraud. If the amount is relatively large, 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 20,000 yuan but 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; 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 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as 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.