Legal analysis: The general sentence for defrauding a bank loan of 6.5438+0 million yuan is 10 years imprisonment or life imprisonment, and the parties may impose a fine according to the amount involved. The related acts of defrauding bank loans shall be determined by the public security organs after investigation and evidence collection according to the criminal facts, and shall be submitted for review, prosecution and judicial judgment.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it 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 especially 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 confiscated property:

(1) Using a forged credit card or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

3. Fraudulent use of other people's credit cards;

4 malicious overdraft.