illegal. According to the Regulations on Credit Card Management of Commercial Banks, it is illegal to impersonate others to continue to open subsidized credit cards, and the circumstances are serious enough to constitute the crime of obstructing credit card management. The object of infringement is the national credit card management system. Credit card is a special carrier card issued by commercial banks to individuals and units, which can be used to shop, spend money and deposit and withdraw cash from banks, and has consumer credit.