It is illegal to scan the QR code of a merchant with a credit card, which is called cash-out operation. This behavior involves the abuse of credit cards and violates the provisions of the payment platform. Banks and payment platforms will monitor and crack down on this behavior. Once discovered, they will take corresponding punishment measures, such as freezing credit cards, reducing the available amount or even sealing the cards. You should abide by the relevant regulations, use your credit card legally, and avoid cashing out to protect your credit record and account security.