More than 3 years and less than ten years.

It is illegal to cash out Huabei. The behavior of arbitrage seriously disrupts the financial order and is suspected of illegal business operations, so it is illegal. Huabei is a consumer credit product. Unfair profit-making behaviors such as false transactions and cash out are serious and may even lead to prison sentences. If Huabei is cashed out frequently, its Zhima credit score will be reduced and Huabei's risk control situation will occur.

Cash-out refers to violating national regulations by using point-of-sale terminals (POS machines) and other methods to directly pay cash to credit card holders through fictitious transactions, false prices, cash returns, etc.

In China UnionPay's "UnionPay Card Acquirer Merchant Risk Management Rules", the definition of arbitrage behavior is: the merchant colludes with bad cardholders or other third parties, or the merchant itself uses virtual transactions to arbitrage cash.

No matter which method is used to cash out, it is strictly prohibited by the bank. Once discovered by the bank, your credit card may be frozen and even affect your personal credit record, so be sure to consider it carefully before implementing a cash out.

Legal basis:

"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 of Fraud"

Article 1 Fraud on public and private persons Property worth 3,000 yuan to more than 10,000 yuan, 30,000 yuan to more than 100,000 yuan, or more than 500,000 yuan shall be deemed as "relatively large amount" or "huge amount" as stipulated in Article 266 of the Criminal Law respectively. ”, “The amount is extremely huge”. The higher people's courts and people's procuratorates of all provinces, autonomous regions, and municipalities directly under the Central Government may, based on the economic and social development conditions of the region, jointly study and determine the specific amount standard for implementation in the region within the amount range specified in the preceding paragraph, and report it to the Supreme People's Court and the Supreme People's Court. Procuratorate filing.

"Criminal Law of the People's Republic of China"

Article 266 Whoever defrauds public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance , shall be concurrently or solely fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life. imprisonment, and a fine or confiscation of property. If this law provides otherwise, the provisions shall prevail.