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What Is “Card Kkang” (Credit Card Cashing)?
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“Card kkang” is a term commonly used in Korea to describe an illegal financial practice in which a person uses a credit card to obtain cash through disguised or false transactions, rather than through legitimate financial products.
Instead of purchasing real goods or services, a transaction is made only on paper, and part of the charged amount is returned as cash after deducting a fee. This practice exists outside the formal financial system and is not recognized as a legal credit service.
Why Card Kkang Is Illegal
Card kkang typically violates multiple financial and commercial laws because it involves:
False or sham transactions
Misuse of credit card payment systems
Circumvention of financial regulations
Potential tax evasion and fraud
In many jurisdictions, including South Korea, both the provider and the user may face legal consequences such as fines or criminal charges.
Why People Become Interested in Card Kkang
From a social and economic perspective, interest in card kkang often arises in situations such as:
Urgent need for cash
Limited access to formal loans
Low credit scores or prior delinquencies
Irregular income (e.g., freelancers or small business owners)
High psychological stress related to debt or living expenses
It is important to note that seeking card kkang does not necessarily indicate irresponsibility, but rather a perception that no legal alternatives are available.
Risks and Consequences
Card kkang carries serious risks, including:
Legal penalties
Long-term damage to credit history
Exposure to scams and fraud
Loss of personal and financial information
Increased financial instability due to high fees
Because these transactions are illegal, users have no legal protection if disputes or losses occur.
Key Point to Remember
Card kkang is not a financial solution but a high-risk illegal practice.
Even if it appears to solve a short-term cash problem, it often creates greater financial and legal problems in the long run.
Conclusion
Card kkang exists at the intersection of economic pressure, limited financial access, and information gaps.
Understanding what it is—and why it is dangerous—is essential to avoiding further harm.
When facing financial difficulty, seeking legal financial counseling, public support programs, or regulated financial services is always safer than turning to illegal alternatives.
