Legal analysis: If a friend borrows a credit card and cashes it out repeatedly, it is easy to be suspected of malicious overdraft of the credit card, which is illegal. It is recommended that you ask a friend to get your credit card back and pay off the balance in a timely manner. If the cashed-out credit card amount is large and the failure to repay in time is serious, the bank will report it to the public security agency. If the public security agency believes that the crime of credit card fraud is met, it will file a case for investigation. According to the criminal case process, it will start from filing, investigation, prosecution, and trial. The process continues, and finally the court pronounces its verdict. (Malicious overdraft is one of the circumstances of credit card fraud, which conforms to the circumstances of malicious overdraft, such as subjective malice, objectively implemented behavior, etc. The amount is principal 1). If after the public security organ files a case and the people's court has repaid all the overdraft interest before the judgment is pronounced, the person may be given a lighter punishment. If the circumstances are minor, the penalty may be exempted; if the amount of malicious overdraft is relatively large and all the overdraft interest is repaid before the public security organ files the case, the circumstances are obvious. If it is minor, you may not be held criminally responsible according to law; if you just fail to pay back the money, it will constitute a criminal offence.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.