Legal analysis: It is illegal to use a salary card as a credit card. The salary card can't be a credit card. It is illegal to cash out with a credit card. If you use point-of-sale terminal equipment (POS machines) without permission, you will directly pay cash to credit card holders by fictitious transactions, false pricing, cash return, etc. If the circumstances are serious, it may constitute the crime of illegal business operation. Shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined not less than one time but not more than five times the illegal income.

Legal basis: Article 225 of the Criminal Law of People's Republic of China (PRC) illegally engages in securities, futures and insurance business, or illegally engages in fund payment and settlement business without the approval of the relevant competent departments of the state; Other illegal business operations that seriously disrupt the market order, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also or only be fined not less than one time but not more than five times the illegal income; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than five years, and shall also be fined not less than one time but not more than five times his illegal income or his property shall be confiscated.