According to relevant information, it is illegal. It belongs to the crime of illegal business operation: Article 7 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that it violates state regulations) It directly pays cash to credit card holders by means of fictitious transactions, false pricing, cash return, etc. If the circumstances are serious, it shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law.