Credit card cashing refers to the behavior that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but withdraws the funds in the credit line of the card in cash by other means, without paying the bank withdrawal fee.

Credit card cashing is suspected of loan fraud. Credit card is essentially a small credit loan, but the essence of credit card cashing is that merchants collude with cardholders to maliciously take a certain amount of loans from banks in the name of consumption.

This is suspected of fictitious loan fraud to some extent. After malicious overdraft, delaying repayment will also violate the crime of malicious overdraft in criminal law, and the maximum penalty is life imprisonment.