Not protected by law. Returning credit cards to others in cash is a violation of state regulations and is not protected by law. Use mobile phones and other point-of-sale terminals to pay cash directly to credit card holders in the form of fictitious transactions, false pricing and cash return. , the amount is more than 6,543.8+0,000 yuan, or the financial institution cannot repay more than 200,000 yuan, or the loss is more than 6,543.8+0,000 yuan, and criminal responsibility will be investigated.