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Is it illegal to give someone else a credit card and charge a certain amount of interest?

Credit card regulations clearly stipulate that credit cards cannot be lent to others. Moreover, if something like the following case happens, you can only bear the consequences.

Case:

At about 9 a.m. on the 4th, Li told the police that starting from June and July 2014, he lent his credit card to Wang and agreed to Wang’s use. A request for an overdraft credit card of 50,000 yuan. However, Wang has overdrafted a total of 60,000 yuan so far, and has not paid back a penny. "Why do you want to give your card to others to use, and there are two of them?" the policeman asked.

In desperation, Li told the truth. It turned out that he lent his credit card to Wang and agreed to an overdraft of 50,000 yuan, with conditions: he had to charge a certain amount of interest. Li told the police that Wang was his friend, and he thought that the money was guaranteed to be profitable. However, he did not expect that the interest was not paid, and the other party did not even repay the overdraft.