Legal analysis: Cashing out of stocks is illegal because one can profit from the subtle differences in prices of the same product or nearly identical products in different markets. For example, you may not be able to withdraw large amounts of cash in a certain place for no reason, so you can transfer the money to other accounts first, and then withdraw cash; or you can cash out; or you can use a credit card, which is cash out. In order to achieve the goal of cashing out and preserving value, the best way is to selectively choose cashing out products. For example, some stocks, gold, futures and even funds can be used as cash-out objects to achieve the goal of maintaining value.

Legal basis: Rights of the card-issuing bank in Article 51 of the "Bank Card Business Management Measures"

(1) The card-issuing bank has the right to examine the applicant's credit status and request for personal information and has the right to decide whether to issue a card to the applicant and determine the overdraft limit of the credit card holder.

(2) The card-issuing bank has the right to recover compensation for the cardholder’s overdraft. If the cardholder fails to repay the overdraft within the prescribed time limit, the card-issuing bank has the right to apply for legal protection and hold the cardholder or relevant parties legally responsible.

(3) The card-issuing bank has the right to cancel the cardholder qualifications of cardholders who fail to comply with the provisions of its articles of association, and may authorize relevant units to take back their bank cards.

(4) The card-issuing bank may not report the loss of electronic wallets in stored-value cards and IC cards.