Credit card arrears100000 yuan, malicious overdraft, suspected of credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20000 yuan but not more than 200000 yuan. Malicious overdraft, the amount is more than 1 10,000 yuan but less than110,000 yuan, and all overdraft interest has been repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law. It is suggested that the debtor pay off the debts in time, or ask the bank to withdraw the lawsuit before the judgment, without assuming criminal responsibility.

legal ground

Article 54 of the Provisions on the Standards for Criminal Cases under the Jurisdiction of Public Security Organs [Credit Card Fraud (Article 196 of the Criminal Law)] If a person is suspected of credit card fraud, he shall file a case for prosecution under any of the following circumstances:

(1) Using forged credit cards, or using forged identity documents to defraud credit cards, or using invalid credit cards, or fraudulently using other people's credit cards to engage in fraudulent activities, with an amount of more than 5,000 yuan;

(2) Malicious overdraft, the amount of which is more than 1 10,000 yuan.

The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being repeatedly urged by the issuing bank.

Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.