1. If you use a credit card to maintain a certain amount, you will need to cash out, and cashing out with a credit card is illegal. Malicious overdraft exceeding a certain amount (like 5,000 yuan) will result in a prison sentence. At the same time, If the bank/credit card company finds out that you are using your credit card to maintain your credit card, you will be blacklisted = you will not be able to use some bank financing services in the future, such as getting a loan or getting a mortgage.

2. From an operational perspective, the debt amount of a card is like a snowball. The sum of the debts of all cards will only increase but not decrease. When the snowball reaches the balance of a certain card, When your credit limit is maxed out, you have to pay for it.

3. Therefore, even if it is not discovered by the bank, it cannot be sustained for a long time. It really does not make much sense. It is just sending handling fees to the cash-out service company. Therefore, using your card to maintain your card can only be a temporary solution and cannot be done for a long time.

Extended information:

Credit card cash out violates national regulations by using point-of-sale terminals (POS machines) and other methods. If the circumstances are serious, the punishment shall be based on Article 225 of the Criminal Law. It stipulates that people will be convicted and punished for the crime of illegal business operations.

Any person who commits the acts in the preceding paragraph and the amount is more than 1 million yuan, or causes the financial institution's funds of more than 200,000 yuan to be overdue, or causes the financial institution to suffer economic losses of more than 100,000 yuan, shall be deemed to be a criminal offender. "Serious circumstances" as stipulated in Article 225.

If the amount is more than 5 million yuan, or causes the financial institution's funds to be overdue for more than 1 million yuan, or causes the financial institution to suffer economic losses of more than 500,000 yuan, it shall be determined as Article 220 of the Criminal Law. The “extremely serious circumstances” stipulated in the five articles.

If a cardholder maliciously overdrafts in the above manner for the purpose of illegal possession and should be held criminally responsible, he will be convicted and punished for credit card fraud in accordance with Article 196 of the Criminal Law.

Baidu Encyclopedia-Professional card keeper