according to the regulations, once a credit card is overdue, it is generally divided into two situations, one is generally overdue, and the other is malicious overdraft (or overdue for lying guns). If the malicious overdraft is malicious, the credit card of the malicious overdraft must be frozen first, and then reported to the local public security police for filing, and the police will handle it. Generally, banks freeze their card numbers after the deadline. Therefore, whether it is generally overdue or malicious overdraft. Must be paid off, and then thawed, according to the situation can be done by stages. Credit cards are generally overdue, and banks basically take measures: change the billing date, minimum repayment and billing installment.

Cash-out is an economic term, which refers to taking advantage of the subtle differences between the prices of the same product or nearly equivalent products in different markets.

illegal cashing generally refers to the exchange of illegal or false means to obtain cash benefits. According to the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Criminal Cases of Impairment of Credit Card Management, cashing refers to the direct payment of cash to credit card holders by means of fictitious transactions, false pricing, cash return, etc. by using point-of-sale terminal equipment (POS machines) in violation of state regulations. In the Risk Management Rules for Merchants of UnionPay Card Acquirers of China UnionPay, the definition of cashing behavior is: the merchants collude with bad cardholders or other third parties, or the merchants themselves take cash by fictitious transactions.

Classification of credit card cashing behavior:

First, the cardholder's personal behavior. The cardholder plays the trick of "others spend their own cards", swiping other people's shopping accounts into his card to increase points, and at the same time, the shopper returns the cash to the cardholder, which is really killing two birds with one stone for the cardholder. Because many banks have launched value-added services while issuing credit cards, and carried out activities such as exchanging consumption points for gifts to stimulate people's enthusiasm for card processing and consumption.

second, the cardholder cooperates with the merchant or some "loan companies" and "intermediary companies", and the cardholder obtains cash by paying the merchant a handling fee. Generally, merchants' POS machines are used to make false transactions, and the amount on the credit card is crossed away. Merchants or "loan companies" and "intermediary companies" pay cash on the spot (paying cardholders cash), and the handling fee paid by cardholders to merchants is lower than that of banks.

thirdly, the cardholder obtains cash by using the services of some websites or companies, such as "Alipay" or China Mobile's "online purchase of prepaid cards" service.

Fourth, small-sum cash-out is free of charge. The method is that in some shopping malls or other places where you can spend by credit card, the cardholder will pay in cash when checking out, and the cashier will receive the cash first and then use his credit card to swipe out the corresponding consumption, so as to achieve the purpose of small-sum cash-out.