This kind of small foreign exchange is not allowed to act as an agent for others, which will involve tax evasion, money laundering and other suspects. Your behavior is not a crime, but it violates the regulations of the state on foreign exchange control and balance of payments declaration.

Basically, after joining the blacklist, you and your friends may not be able to use Western Union remittance for a long time. As for whether your credit will have an impact, it depends on the subsequent handling by the bank. Objectively speaking, it shouldn't have much impact, and you won't get extra treatment when you apply for loans or credit cards in the future, because the blacklist of Western Union will not be added to the personal credit management system of the People's Bank of China. (You can go to the department under the local People's Bank for enquiry)

However, in the future, we should pay attention to ensuring that it is reasonable and legal before helping our friends, so as not to be passive.