1, not illegal.

2. Helping others pay back their credit cards is essentially the same as cashing out credit cards. Because credit card repayment now belongs to this gray area, laws and regulations do not clearly stipulate that it is illegal. Of course, there is no punishment.

According to the current credit card regulations of major banks, as long as the cardholder repays, that is, as long as the cardholder's card is normal, the credit card limit will be restored. If the money in the credit card is repaid by someone else instead of the cardholder, it can be swiped out immediately. In this way, there are not only repayment records, but also consumption records, plus some small consumption, which can allow cardholders to increase their credit limit faster and enjoy an interest-free period for a certain period of time!