Legal analysis: Returning credit cards on behalf of others in serious circumstances constitutes the crime of illegal business operations. According to relevant legal interpretations, in violation of national regulations, using point-of-sale terminals (POS machines) and other methods to directly pay cash to credit card holders through fictitious transactions, false prices, cash returns, etc. If the circumstances are serious, they will be charged with illegal business operations. Conviction and punishment.

Legal basis: Article 225 of the Criminal Law of the People's Republic of China and the People's Republic of China. The crime of illegal business operations refers to operating franchises, monopoly items or other restricted items without permission. Export licenses, import and export certificates of origin, and other business licenses or approval documents stipulated in laws and administrative regulations, as well as other illegal business activities, disrupting market order, and serious acts.