Colluding with merchants to cash out maliciously is defrauding bank funds, which is illegal. According to Paragraph 3 of Article 51 of the "Bank Card Business Management Measures": The card-issuing bank has the right to cancel the cardholder qualifications of cardholders who fail to comply with the provisions of its articles of association, and may authorize relevant units to take back their bank cards. Paragraph 2 of Article 54 stipulates: Cardholders shall abide by the articles of association of the card-issuing bank and the relevant provisions of the "Acquisition Contract". Article 7 Great Wall Card holders can use their Great Wall Card to make purchases at specially appointed merchants without paying any additional fees. With the corporate card, you can handle transfer business at all branches of Bank of China. With your personal card, you can handle deposits, withdrawals, and transfers at all branches of Bank of China. With your personal card and private password, you can handle deposits, withdrawals, and transfers at Bank of China's automated teller machines (ATMs), and you can also handle withdrawals at the automatic teller machines (ATMs) of other banks that are networked with the card-issuing bank.

This clearly stipulates what cardholders can do when using their credit cards. There is no provision in the "Credit Card Terms and Conditions" stating that cardholders can withdraw cash at POS machines with their credit cards. It also stipulates:

Article 61: Any unit or individual who has any of the following circumstances shall be dealt with according to the "Criminal Law of the People's Republic of China" and relevant regulations:

(1) Fraudulently obtaining or using credit cards;

(2) Forging or altering bank cards;

(3) Malicious overdrafts;

(4) Using bank cards and their equipment to defraud bank funds. Whether civil law or criminal law applies depends on whether the behavior violates the charter or defrauds bank funds.