Credit card swiping to earn fees, also known as cashing, is suspected of illegal business operation, because financial business can only be operated with administrative license, and businesses that help people swipe their cards to earn fees have no professional qualifications and administrative license. According to the law, the business that is franchised by the state without permission belongs to illegal operation, and if the circumstances are serious, it is suspected of illegal operation. After the owner of the credit card is discovered by the issuing bank, the bank will generally freeze the credit card immediately and notify the user to cancel the account. If the operator who cashes in the credit card makes a big profit, he will be investigated for criminal responsibility.

Attachment: Article 225 of the Criminal Law of People's Republic of China (PRC), in violation of state regulations, commits one of the following illegal business operations, disrupting market order, and if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined not less than one time but not more than five times the illegal income; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than five years, and shall also be fined not less than one time but not more than five times for illegal gains or confiscation of property:

(a) operating a franchise or monopoly commodity or other commodities whose operation is restricted by laws and administrative regulations without permission;

(2) buying and selling import and export licenses, import and export certificates of origin and other business licenses or approval documents stipulated by laws and administrative regulations;

(three) without the approval of the relevant competent departments of the state, illegally engaged in securities, futures, insurance business, or illegally engaged in fund payment and settlement business;

(four) other illegal business activities that seriously disrupt the market order.

(2) the National People's Congress Standing Committee (NPCSC)'s decision on punishing foreign exchange fraud, evasion and illegal trading.

4. Whoever illegally buys or sells foreign exchange outside the trading places stipulated by the state, thus disrupting the market order, if the circumstances are serious, shall be convicted and punished in accordance with the provisions of Article 225 of the Criminal Law.

Where a unit commits the crime mentioned in the preceding paragraph, it shall be punished in accordance with the provisions of Article 231st of the Criminal Law.