Legal analysis: It is illegal to use credit cards to cash out. If the circumstances are serious, it may even be suspected of constituting the crime of credit card fraud in the criminal law, and criminal penalties will be imposed. of. Cashing out on a credit card is an illegal act and will be punished according to the seriousness of the circumstances. Credit card cash-out refers to the behavior of cardholders not withdrawing cash through normal legal procedures (ATM or counter), but using other means to withdraw funds within the credit limit of the card in cash without paying bank withdrawal fees.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who conducts credit card fraud activities and is suspected of one of the following circumstances shall be prosecuted: (1) Using forged Credit card, or using a credit card fraudulently obtained with false identification, or using an expired credit card, or falsely using another person's credit card to conduct fraudulent activities, with the amount exceeding 5,000 yuan; (2) Malicious overdraft, with the amount exceeding 10,000 yuan of. Malicious overdraft as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the card for more than three months after being called upon twice. If the overdraft is malicious and the amount is more than 10,000 yuan but less than 100,000 yuan, all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.