Obviously it is wrong. It is nonsense to say that the most it can do is just accept POS machines. Which bank would be so stupid that someone would overdraw money and still just accept POS machines and be fine? It just so happened that I took a class on criminal law today about finance, and I talked about credit cards. Let me show you the legal provisions:

Whoever engages in letter of credit activities shall be sentenced to not more than five years or criminal detention, and shall also be sentenced to two years. A fine of not less than 10,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances , or shall be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated:

(1) Using a forged or altered letter of credit or accompanying documents or documents;

(2) Using a voided letter of credit;

(3) Fraudulently obtaining a letter of credit;

Letter of credit activities.

Article 19: Anyone who uses a card and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall be fined not less than 20,000 yuan for two years, or if there are other serious circumstances, shall be sentenced to not less than five years but not more than ten years. If the circumstances are particularly serious, the fine shall be not less than 10 years or more, or a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using forged letters

(2) Using invalid credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdrafts.

The former refers to the behavior of the cardholder who exceeds the prescribed limit for the purpose of illegal possession or fails to return the card after being called by the issuing bank.

If you use a credit card at the same time, according to Article

of this law, you are obviously a "specially invited merchant" maliciously colluding with the "customer" to defraud money. Moreover, after paying the money, you I'm not going to pay it back. If I do, it's okay. If I don't pay it back, I can sue the credit card holder for malicious overdraft~~ Anyway, this kind of thing can be done once or twice. If the amount is huge, change it again