It's not illegal. According to the current credit card regulations of major banks, as long as the customer repays, that is, as long as the customer's card is normal, the credit card limit will be restored. We can refund the credit card money on behalf of our customers, and we can brush it out immediately. In this way, you not only have repayment records, but also consumption records, plus some small consumption, which can make you increase your credit limit faster. And you can enjoy the interest-free period forever! The essence of credit card repayment is like credit card cashing. Because credit card repayment now belongs to this gray area, laws and regulations do not clearly stipulate that it is illegal.