It would be a serious crime to help others cash out 20,000 yuan.

Legal Analysis

In today’s society, some shops will help others cash out with their credit cards. In fact, cashing out with credit cards may seem like a small matter, but it is an illegal act. Anyone who uses a forged credit card, a credit card fraudulently obtained with a false identity certificate, a voided credit card, or uses someone else's credit card to commit credit card fraud, and the amount is more than 5,000 yuan but less than 50,000 yuan, shall be deemed to be an "amount" stipulated in relevant laws. larger". Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "large amount" as stipulated in relevant laws. Credit card cash-out behavior can be divided into two categories based on the specific behavioral differences of participants: one is participants who hold credit cards, including those who apply for credit cards with their true identities and participate in cash-out, those who apply for credit cards with false identities, Actors who use credit cards and participate in cashing out, actors who use counterfeit credit cards and use them to cash out; the other category is people other than participants who hold credit cards, including actors who set up POS machines to assist in cashing out by swiping cards, and open online business channels Actors who assist credit card holders in making false remittances or making false transactions. In addition to the above two categories of participants, there may also be other persons who provide assistance, including those who illegally obtain other people’s identity information and use it to apply for credit cards, those who illegally obtain other people’s credit card information and use it to forge credit cards, and those who illegally forge credit cards. Personnel etc.

Legal Basis

Article 196 of the "Criminal Law of the People's Republic of China" and any of the following circumstances, where credit card fraud is carried out and the amount is relatively large, the person shall be punished Whoever commits a crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) Using a counterfeit credit card, or using a counterfeit credit card; or Using false identity certificates to fraudulently obtain credit cards; (2) Using invalid credit cards; (3) Pretending to use other people’s credit cards; (4) Malicious overdrafts. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.