Legal analysis: 1. Lending a credit card to someone else to cash it out, and paying it back on time if the amount is less, is just a violation of the agreement for the bank and belongs to the civil category. If you can't return it on time, it will affect your credit and generate high interest.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.