According to Article 12 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management:

In violation of state regulations, paying cash directly to credit card holders by means of fictitious transactions, false pricing, cash return, etc. by means of point-of-sale terminal equipment (POS machines). If the circumstances are serious, he shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law.

Extended data

The Measures for the Administration of Credit Card Business stipulates that:

Sixty-sixth cardholders who withdraw cash in violation of the provisions of these measures shall be fined 30% to 50% of the amount of cash withdrawn.

Article 67 If a cardholder rents or lends a credit card and its account in violation of these Measures, it shall be ordered to make corrections, and a fine of more than 5% 1000 yuan shall be imposed according to the account, and the illegal income shall be confiscated.

Article 68 If a cardholder maliciously overdraws, he shall be investigated for criminal responsibility according to law.

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Baidu Encyclopedia-Answers to Some Questions about the Specific Application of Law in Criminal Cases of Impairment of Credit Card Management