Legal analysis: Cashing out on a credit card is an illegal act and will be punished according to the seriousness of the circumstances. Credit card cash-out refers to the behavior of cardholders not withdrawing cash through normal legal procedures (ATM or counter), but using other means to withdraw funds within the credit limit of the card in cash without paying bank withdrawal fees.

Legal basis: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 5 Use of counterfeit credit cards, credit cards obtained fraudulently with false identity certificates , invalidated credit card or fraudulently using another person’s credit card to conduct credit card fraud, and the amount is more than 5,000 yuan but less than 50,000 yuan, it shall be deemed as a “larger amount” as stipulated in Article 196 of the Criminal Law; if the amount is more than 50,000 yuan, If the amount is more than 500,000 yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 500,000 yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law. ".

The term "false use of other people's credit cards" as mentioned in Item (3) of Paragraph 1 of Article 196 of the Criminal Law includes the following situations:

(1) Lost other people's credit cards and Use;

(2) Defraud other people’s credit cards and use them;

(3) Steal, bribe, defraud or obtain other people’s credit card information through other illegal means, and use it through the Internet, Used by communication terminals, etc.;

(4) Other situations of fraudulent use of other people’s credit cards.