Illegal. According to the legal definition, credit card fraud is suspected of credit card fraud. The sentencing standard for suspected credit card fraud is that if the amount of credit card fraud is relatively large, the person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. There is a fine, so it means that it is illegal to use the credit card on your behalf.