You can pay back your credit card without being discovered.

1. The bank will not care what the cardholder uses the Wanyong Gold for, because the cardholder will pay the corresponding interest in accordance with the Wanyong Gold contract with Pudong Development Bank;

2. Even if the bank knows it, the bank has no right to interfere as long as it is not used for illegal purposes.

As long as the application for Universal Cash is successful, the cardholder can use it for any legal purpose after receiving the money, and the bank has no right to interfere.