Legal analysis: It is illegal to charge credit cards.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" issued by the State Council. Article 39 Marketing personnel shall publicly and clearly inform the application materials and basic requirements that need to be submitted when applying for a credit card, and urge credit card applicants to complete , fill in the application materials correctly and truthfully, and review the identity document (original) and necessary supporting materials (original). Marketers are not allowed to promise customers the issuance of cards, and are not allowed to market credit cards in the name of quick card issuance, card application, business card application, etc.