Using credit cards to cash out, that is, converting credit funds in credit cards into cash through various means, is strictly prohibited. This behavior violates bank card management regulations and credit card business management measures, because it goes against the essence of credit cards as payment tools, easily leads to credit risks, and may be suspected of fraud.

Generally, cashing out on a credit card may involve the following illegal activities:

1. **Breach of Contract**: Cashing out is usually expressly prohibited in the credit card agreement signed with the bank. Such behavior violates Contract terms.

2. **Fraud**: Certain arbitrage behaviors may involve deceiving banks, such as obtaining cash through false transactions, which may constitute a crime of fraud.

3. **Money Laundering**: If the cashed-out funds are suspected of being used for illegal activities, it may be deemed as money laundering.

4. **Illegal business crime**: If an individual or group is engaged in cashing out, and engages in financial business without authorization or in disguised form without the approval of the financial regulatory authorities, it may constitute the crime of illegal business.

The specific legal consequences need to be determined based on the actual situation and the amount of money involved. The amount involved is relatively small, and the first violation may result in consequences such as a warning from the bank, suspension of credit card use, and damage to your credit record. If the amount is large or there are other serious violations, it may involve criminal liability, require police investigation, and may face criminal penalties such as fines or imprisonment.

Therefore, it is strongly recommended not to engage in illegal activities such as cashing out on credit cards, and to use credit cards reasonably and legally. If you need cash, you should use credit card cash advance and other services through formal bank channels, and clearly understand the relevant fees and interest.

I hope the above content will be helpful to you. If you have any other questions, please consult a professional lawyer.

Legal basis: Article 225 of the "Criminal Law of the People's Republic of China"

The crime of illegal business violates national regulations and involves one of the following illegal business behaviors, disrupting Market order, if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and concurrently or solely a fine of not less than one time but not more than five times the illegal income; if the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than five years and not less than twice the illegal income. A fine of not more than five times or property confiscation:

(1) Operating franchises, monopoly items or other restricted items as prescribed by laws and administrative regulations without permission;

(2) Buying and selling import and export licenses, import and export certificates of origin, and other business licenses or approval documents stipulated in laws and administrative regulations;

(3) Illegal operations of securities, futures, Insurance business, or illegally engaging in fund payment and settlement business;

(4) Other illegal business activities that seriously disrupt market order.