It is obvious that the purpose of cashing out credit cards is to save interest, but are these cash-out methods legal? Lawyers believe that cashing out can be divided into malicious and non-malicious. The state has not yet enacted relevant laws to regulate cashing out behavior. As long as the cardholder repays on time and maintains a good credit record, such cashing out cannot be called malicious cashing out and does not violate national laws; if the person who cashes out refuses to repay, then it becomes illegal.