1. Credit card repayment usually means that when the cardholder's credit card cannot be repaid in full when the final repayment date expires, he can entrust others to repay it, and then brush out the repayment amount in the form of credit card consumption, and return the funds to the repayment helper. This service is legally allowed, especially when the cardholder cannot repay on time and entrusts others to help him repay in order to maintain a good credit record.
2. If the reimbursement service involves the use of point-of-sale terminal equipment, such as POS machines, and directly pays cash to credit card holders by fictitious transactions, false pricing, cash return, etc., this behavior may be regarded as illegal operation.
3. according to the provisions of article 225 of the criminal law, anyone who illegally engages in the payment and settlement of funds without the approval of the relevant competent department of the state and disrupts the market order, if the circumstances are serious, may be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and may also be fined not less than one time but not more than five times the illegal income. if the circumstances are particularly serious, he may be sentenced to fixed-term imprisonment of not less than five years, and may also be fined not less than one time but not more than five times the illegal income or his property confiscated.
4. Therefore, credit card replacement business is allowed within the legal scope, but relevant laws and regulations must be observed to avoid any behavior that may constitute illegal business.