Legal analysis: It is not uncommon to pay back credit cards on behalf of others in order to earn handling fees, but this kind of behavior has great risks. People with ulterior motives use this method to defraud money, and then disappear without a trace, and people who repay on their behalf will not be able to get their money back.

Legal basis: Article 7 of the Interpretation of the People's Republic of China on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management shall be deemed as "serious circumstances" as stipulated in Article 225 of the Criminal Law if the amount mentioned in the preceding paragraph is more than 1 million yuan, or if the funds of financial institutions are overdue for more than 2, yuan, or if the financial institutions suffer economic losses of more than 1, yuan. In other words, only if the above situation is met and the circumstances are serious, the actor will constitute the crime of illegal business operation.