Constitute a crime. According to relevant national laws, suspected fraud involving the use of credit cards to cash out amounts to more than 3,000 yuan constitutes a crime.

Credit card cash-out means that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but uses other means to withdraw the funds within the credit limit of the card in cash without paying. Bank withdrawal fees.

The correct use of credit cards is as follows:

1. Appropriate use: Credit cards require consumption first and then repayment. Users do not need to deposit money in advance and can go directly to major places such as shopping malls and movie theaters. Pay by credit card.

2. Repay on time: After users generate bills using credit cards, they must repay before the expiration of the repayment period in the next month. They can choose to repay in installments.

3. Pay attention to discounts: Credit cards will launch discounts and benefits from time to time, and users can receive discounts and benefits.

4. Points redemption: Credit card points can be used to redeem corresponding gifts.

Legal basis:

"Criminal Law"

Article 196

Carry out credit card fraud under any of the following circumstances If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

( 3) Fraudulent use of other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.