Legal analysis: Credit card repayment is illegal in essence, but it is still in the middle position, and there is no explicit stipulation in laws and regulations that this kind of behavior is illegal. If you really have no choice but to choose a credit card, then you should also choose a more authoritative institution to avoid risks. Credit card is a kind of micro-credit loan in essence, and the essence of credit card cashing is that merchants collude with cardholders to maliciously take a certain amount of loans from banks in the name of consumption, which is suspected of fictitious loan fraud to some extent, and it is illegal to repay credit cards on behalf of them.

Legal basis: Article 193 of the Criminal Law commits one of the following acts: defrauding banks or other financial institutions of loans for the purpose of illegal possession, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.