cashing in a credit card is an illegal and criminal act. Those who help cash out will be punished for illegal business operation, and those who cash out will be sentenced by criminal law according to the seriousness of the circumstances. At the same time, the central bank will blacklist the behavior of helping cashiers and cardholders, which will directly affect their credit records.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will pay with the merchants.