Legal analysis: This is a cash-out. Huabei is generally used for daily consumption or online shopping payment. In this way, the money from Huabei is used in the form of cash, which is cash-out.

Legal basis: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 7 Violates national regulations and uses point-of-sale terminals (POS machines), etc. Methods: direct cash payments to credit card holders through fictitious transactions, false prices, cash returns, etc. If the circumstances are serious, they shall be convicted and punished for the crime of illegal business in accordance with the provisions of Article 225 of the Criminal Law. Any person who commits the acts mentioned in the preceding paragraph and the amount exceeds 1 million yuan, or causes overdue repayment of more than 200,000 yuan of funds of a financial institution, or causes economic losses of more than 100,000 yuan to a financial institution, shall be deemed to have committed an offense under Article 225 of the Criminal Law. If the prescribed amount of "serious circumstances" is more than 5 million yuan, or if the financial institution's funds are overdue for more than 1 million yuan, or if the financial institution's economic losses are more than 500,000 yuan, it shall be deemed as Article 225 of the Criminal Law. "Particularly serious circumstances" as stipulated in this article. If a cardholder maliciously overdrafts in the above manner for the purpose of illegal possession and should be held criminally responsible, he will be convicted and punished for credit card fraud in accordance with the provisions of Article 196 of the Criminal Law.