Because credit card consumption has a specified amount, it belongs to entity consumption, but cashing out is to defraud bank funds. Like the nature of fraudulent loans, many people are unable to repay it, so cashing out is illegal.

Second, is it theft or fraud to cash out by taking advantage of bank loopholes?

First, it constitutes a loan crime. It is considered that the actor's method of obtaining bank credit card loans is huge, and his behavior has violated the provisions of Article 193 of the Criminal Law, which constitutes a loan.

2. It constitutes a crime and is a financial institution. It is considered that the behavior of the actor to take bank funds for the purpose of illegal possession constitutes a crime.

Third, it constitutes a crime. It is considered that the bank staff are caught in a wrong understanding, and the behavior of taking bank funds and buying property by Zhao constitutes a crime.

4. Deceiving loans from financial institutions, accepting bills of exchange, and believing that financial institutions suffer heavy losses or have other serious circumstances by deception, which conforms to the provisions of Article 175, constitutes the crime of defrauding loans from financial institutions.

Third, is it theft or fraud to cash out by taking advantage of bank loopholes?

First, it constitutes a loan crime. It is considered that the actor obtained a huge amount of bank credit card loan for the purpose of illegal possession, and his behavior has violated the provisions of Article 193 of the Criminal Law, which constitutes a loan crime.

2. It constitutes a crime and is a financial institution. It is considered that it is a crime to steal bank funds secretly by using others' ignorance for the purpose of illegal possession.

Third, it constitutes a crime. It is considered that the behavior of the perpetrator to conceal the truth for the purpose of illegal possession has caused the bank staff to fall into a wrong understanding, and it has constituted a crime to dispose of bank funds based on a flawed will and Zhao and others have obtained property.

4. It constitutes the crime of defrauding loans from financial institutions. Deceiving the credit of financial institutions' loans, bills acceptance, letters of credit, letters of guarantee and other bills by deception, resulting in heavy losses to financial institutions or other serious circumstances, conforms to the provisions of Article 175, and constitutes the crime of defrauding financial institutions' loans.

Fourth, how to qualitatively use the loopholes in the payment service platform to obtain bank funds?

When determining whether the perpetrator of property crime subjectively has the purpose of illegal possession, it can be determined mainly from the following objective aspects: First, it depends on whether the property is squandered; The second is to see whether to abscond with money; The third is to see whether it is used for illegal and criminal acts; The fourth is to see whether to withdraw cash, transfer funds, hide property and avoid returning funds; The fifth is to see whether to refuse to explain the whereabouts of funds and avoid returning funds.