There is an able person in Taiwan Province Province who is good at using credit cards. Looks like a young sister paper. He only uses a credit card to operate, which makes a lot of money and is not illegal. Who can elaborate? Hello, Yang's behavior does not comply with the current laws and regulations: First of all, the real purpose of using credit cards in TV shopping channels is not consumption, but using multiple transaction coupons to swipe credit card points. According to Article 17 of the Measures for the Administration of Credit Card Business, "Cardholders can overdraw for consumption purposes within the limits and time limits stipulated in these Measures", the use of Yang is essentially non-compliant; Secondly, Yang's attempt to buy back the gift certificate after auctioning it to relatives and friends is an untrue transaction. The points obtained through abnormal means are exchanged for bank gifts, which affects the market order and infringes on the interests of the bank (the real intention of the bank is not to encourage such behavior); Third, when the bank contacted her, she explained that it was because her sister was studying abroad, so she had to spend millions a month. This behavior constitutes fraud, concealing the true use of credit funds from banks, and there are serious risks. According to Article 52 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall establish a credit card business risk management system. When the issuing bank learns that the cardholder has the following risk information from the public security organs, judicial organs, the cardholder himself, relatives, transaction monitoring or other channels ... If the credit status deteriorates and the card-using behavior is abnormal, it shall immediately stop operations that may increase the credit risk, such as authorizing credit card services exceeding the credit limit and authorizing installment business, and take risk management measures such as improving transaction monitoring, reducing the credit limit, stopping payment, freezing or implementing the second repayment source as appropriate. "The bank's response is compliant. Of course, this is only the analysis of a non-professional person, and there may be more professional people who can give more relevant opinions. However, no matter how laws and regulations change, honest management and honest life are the eternal moral bottom line.