Hello! As long as the cash withdrawal limit on your credit card given by the bank is within the limit, it is legal. For example, if your credit card limit is 300,000, the bank will give you half of the limit of 150,000 for cash withdrawals, and the other half of 150,000 for consumption. It is legal for you to withdraw up to 150,000 (including 150,000). The 150,000 you consume cannot be withdrawn and can only be consumed. Of course, it is also possible to withdraw the 150,000 consumed through informal channels. For example, you can withdraw cash by swiping your card for consumption, but banks do not allow such withdrawals. This is illegal. If the bank knew about it, they would be held responsible. Of course you can't go and tell the bank, right? Generally speaking, the bank will rarely check the card after it has issued it to you. In the end, regardless of cash withdrawal or consumption, you have to pay it back in the next month, and it can take up to 40 days. Each bank's standards are different. At least you have to pay back the minimum payment the bank gives you. But this will accrue interest. Hope this helps!