No, it's illegal.

generally, there are two ways to reverse credit cards. One way is to use point-of-sale terminal machines (POS machines) and other methods to brush out the money of credit cards through false transactions, which is also commonly known as cashing out; One is to withdraw the money from the credit card by withdrawing cash.

The former is obviously illegal, because the purpose of issuing credit cards by banks is to promote consumption. Although it also supports the use of cash, it requires that the cash must be withdrawn through ATM machines or counters. It is absolutely not supported to withdraw the funds in the credit limit of the card in cash by other means.

Consequence:

No matter how to reverse the card, it is a practice of robbing Peter to pay Paul, which can't solve the problem from the root, and the money owed to the credit card will still exist.

if the card is reversed by cash withdrawal, more and more money will be owed, and besides the principal, interest and handling fee for cash withdrawal will be generated, which is quite uneconomical.

And if credit card cashing is easy to be controlled by banks, after all, banks have their own anti-fraud departments and risk identification systems, which can identify risky transactions through big data+manual verification. If the bank recognizes that you are cashing in, it will be lighter to reduce the amount and seal the card, and then pursue your legal responsibility.

in a word, no matter whether it is illegal to reverse the credit card, there are certain risks. We should avoid this practice, and the long-term solution is to use the card in compliance.