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신용카드 사용이 일상화된 오늘날, 일부 소비자 사이에서는 ‘카드현금화’라는 단어가 낯설지 않게 들린다. 카드현금화는 말 그대로 신용카드로 물품을 구매하거나 가상의 결제를 한 뒤, 이를 현금으로 돌려받는 행위를 의미한다. 겉보기에는 단순히 “카드를 현금처럼 쓰는 방법” 정도로 보일 수 있지만, 실상은 다양한 위험과 법적 문제를 동반하기 때문에 각별한 주의가 필요하다. 1. 카드현금화의 기본 구조 일반적으로 카드현금화 업체는 소비자의…

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