To some extent, credit card cashing may involve fraud. Is it legal to cash out with a credit card? The essential feature of credit card cashing is to directly convert the credit limit in credit card into cashing through deception. Cash-out funds are out of the normal credit management channels of banks and the management sight and control of regulatory authorities, which seriously undermines the management order of China's financial market and lays an unstable factor for the overall financial order of the country. So it is illegal to cash out credit cards. In accordance with state regulations, cash is paid directly to credit card holders through fictitious transactions, false pricing and cash return. If the circumstances are serious, it shall be punished as the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law. Previously, due to the lack of a clear legal basis, the bank card industry could only impose soft penalties on cash-out merchants, such as taking back equipment and stopping transactions, and it was difficult to effectively curb the spread of cash-out behavior from the source. The introduction of judicial interpretation will effectively curb the illegal behavior of cash-out merchants. Basis: Article 225 of the Criminal Law of People's Republic of China (PRC) violates state regulations and commits one of the following illegal business operations, disrupting market order. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than one time but not more than five times the illegal income; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than five years, and shall also be fined not less than one time but not more than five times for illegal gains or confiscation of property. (2) buying and selling import and export licenses, import and export certificates of origin and other business licenses or approval documents stipulated by laws and administrative regulations; (three) without the approval of the relevant competent departments of the state, illegally engaged in securities, futures, insurance business, or illegally engaged in fund payment and settlement business; (four) other illegal business activities that seriously disrupt the market order.