1. Is it illegal to repay credit cards on behalf of others? It is not illegal, but it is illegal to operate credit card repayments on behalf of others illegally.

2. According to Article 7 of the "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards":

3. Violation of national regulations, Use methods such as point-of-sale terminals (POS machines) to pay cash directly to credit card holders through fictitious transactions, false prices, cash returns, etc.

4. If the circumstances are serious, the person shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law. Carrying out the acts in the preceding paragraph, the amount is more than 1 million yuan, or causing the financial institution's funds of more than 200,000 yuan to be overdue.

5. If the financial institution suffers an economic loss of more than 100,000 yuan, it shall be deemed as a "serious circumstance" as stipulated in Article 225 of the Criminal Law; if the amount is more than 5 million yuan.

6. If it causes overdue repayment of more than 1 million yuan of funds of a financial institution, or causes economic losses of more than 500,000 yuan to a financial institution, it shall be deemed as a "circumstance" stipulated in Article 225 of the Criminal Law. Extremely serious."

7. If a cardholder uses the above method to maliciously overdraft for the purpose of illegal possession and should be held criminally responsible, he will be convicted and punished for credit card fraud in accordance with the provisions of Article 196 of the Criminal Law.