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Is it illegal to return the credit card?
Not illegal.

One,

1. Credit card repayment is an effective way to relieve repayment pressure. In the process of finding an intermediary to handle the repayment, the repayment date can be postponed.

2. It means that when the last repayment date of the cardholder's credit card expires, but I can't repay it in full at the moment, and the minimum repayment has to pay high interest, in order to maintain a good credit record, I can entrust others to repay it on my behalf, and then I will brush out the repayment amount in the form of credit card consumption and return the funds to the cardholder.

Second,

1. According to the current credit card regulations of major banks, as long as the customer repays, as long as the customer uses the card normally, the credit card limit will be restored. We can refund the credit card money on behalf of our customers, and we can brush it out immediately. Not only repayment records, but also consumption records, plus some small consumption, can improve your credit limit. And enjoy the interest-free period forever.

2. Credit card repayment is essentially like credit card cashing, because now credit card repayment belongs to this gray area, so it is illegal for laws and regulations not to explicitly stipulate.