Legal analysis: Cashing out on credit cards not only affects personal credit records, but is also illegal. Cashing out a certain amount of credit card money will constitute a crime and the cardholder will be subject to criminal penalties. Some people may not know much about the penalties they will face for cashing out their credit cards, and they think that only those who commit murder and arson can be jailed. In fact, even those who cash out their credit cards to a certain extent will also be jailed.

Legal basis: "Criminal Law of the People's Republic of China" Article 225 If the amount involved is more than 1 million yuan, or if the financial institution's funds of more than 200,000 yuan are overdue, If the amount involved in the case is more than 5 million yuan, or the financial institution's funds are overdue for more than 1 million yuan, or the financial institution has an economic loss of 50 million yuan, it shall be deemed as "serious." If the amount exceeds 10,000 yuan, it shall be deemed as “particularly serious”.