If it exceeds 30,000 yuan and is overdue for three months, you will be charged twice, and then you will not repay it continuously, which constitutes the crime of credit card fraud. According to the seriousness of the case, you will be sentenced to fixed-term imprisonment.
The criteria for judging illegal possession are:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(2) After applying for a credit card with a false credit certificate, it is overdrawn and cannot be returned;
(3) Escaping after overdraft or changing contact information to avoid bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for criminal activities.
Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management: If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.