It is illegal to help others cash out their credit cards. "Interpretations 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 Obstructing the Management of Credit Cards" Article 7 Violates national regulations and uses point-of-sale terminals and other methods to conduct fictitious transactions, false prices, cash returns, etc. If the circumstances are serious, the person shall be convicted and punished for the crime of illegal business operations in accordance with the provisions of Article 225 of the Criminal Law. Any person who commits the acts mentioned in the preceding paragraph and the amount exceeds 1 million yuan, or causes overdue repayment of more than 200,000 yuan of funds of a financial institution, or causes economic losses of more than 100,000 yuan to a financial institution, shall be deemed to have committed an offense under Article 225 of the Criminal Law. If the prescribed amount of "serious circumstances" is more than 5 million yuan, or if the financial institution's funds are overdue for more than 1 million yuan, or if the financial institution's economic losses are more than 500,000 yuan, it shall be deemed as Article 225 of the Criminal Law. "The circumstances are particularly serious" as stipulated in Article 1. 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 the provisions of Article 196 of the Criminal Law. "Credit card cash out" refers to the behavior of the cardholder not withdrawing cash through normal legal procedures or over the counter, but using other means to withdraw the funds within the credit limit of the card in cash without paying the bank's cash withdrawal fees. Regarding the credit card arbitrage behavior that has intensified in recent years, the Shanghai headquarters of the Central Bank stated on July 26 that cashing out with credit cards is illegal, and the central bank is studying to record the cardholders' cash arbitrage behavior in the personal credit system, which will directly affect their personal credit records.