Legal. If the clearing fee is clearly listed in the exchange catalogue and meets the terms and conditions of the issuer, it will be legally exchanged. When people spend with credit cards, they can generally accumulate certain points, which can be used to exchange some gifts, miles and so on. But it is not illegal to exchange credit card points for cash. Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.