It is a crime to cash out a credit card even if it is repaid on time. According to Article 7 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, cash is paid directly to credit card holders by means of fictitious transactions, false pricing, cash return, etc. by using point-of-sale terminal equipment (POS machines) and other methods. 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. Generally speaking, if a cardholder maliciously overdraws a credit card for the purpose of illegal possession, it can be judged as credit card fraud.