It is not illegal to pay off a credit card on your behalf.

Repaying a credit card on behalf of others is a civil act and is not illegal. You will not be sentenced, and you do not need to bear the responsibility for civil compensation or administrative penalties. Only those who commit credit card fraud and constitute a crime will be sentenced by the court.

The requirements for credit card application are as follows:

1. Whether it meets the requirements of the bank for issuing credit cards;

2. Be between 18 and 65 years old; < /p>

3. Have a stable career and income;

4. Have good credit and the ability to pay interest on time;

5. Have complete civil conduct capable natural person.

The consequences of being unable to repay the credit card debt are:

1. The temporary inability to repay the credit card debt is just a civil dispute and will not lead to criminal liability or jail time;

2. After the creditor files a lawsuit with the court and wins, if the debtor fails to fulfill the court's judgment within the performance period, the creditor can apply to the court for compulsory execution;

3. When accepting compulsory execution, the court will inquire about the property, property, and properties under the debtor's name in accordance with the law. Vehicles, securities and deposits;

4. In addition, if the debtor does not have any property in his name that can be executed and he refuses to fulfill the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report. and may even be subject to judicial detention;

5. If you have the ability but refuse to execute, you are suspected of refusing to execute the judgment or ruling.

To sum up, paying off a credit card for others does not constitute a crime. It is a legal act of civil compensation. There are two types of credit card crimes in my country: credit card fraud and obstruction of credit card management.

Legal basis:

Article 5 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Commercial banks operating credit card business shall fully disclose relevant information to cardholders information, reveal business risks, and establish and improve corresponding complaint handling mechanisms.

Article 12

The term “acquiring business” as mentioned in these Measures refers to the services provided by commercial banks to merchants to accept credit cards and complete related fund settlements.

The acquiring business includes merchant qualification review, merchant training, acceptance terminal installation and maintenance management, obtaining transaction authorization, processing transaction information, transaction monitoring, fund advances, fund settlement, dispute handling and value-added services and other business links.