Legal analysis: Cashing out of credit cards falls under the filing criteria for illegal business crimes. In violation of national regulations, point-of-sale terminals (POS machines) and other methods are used to charge credit card holders with fictitious transactions, false prices, cash returns, etc. If the cardholder pays cash directly and the amount exceeds 1 million yuan, or causes the financial institution's funds to exceed 200,000 yuan to be overdue, or causes the financial institution to suffer economic losses of more than 100,000 yuan, it constitutes an illegal business crime and a case should be filed for prosecution.

Legal basis: Article 7 of the "Judicial Interpretation of the Supreme Court on Credit Card Crime Cases" violates national regulations and uses point-of-sale terminals (POS machines) and other methods to make fictitious transactions, false prices, and cash returns. If the circumstances are serious and 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. The "serious circumstances" specified in the regulations; if the amount 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 determined as Article 220 of the Criminal Law. The “extremely serious circumstances” stipulated in the five articles.