银行密集发声：明确信用卡资金用途，不得用于投资理财

Core Viewpoint - Recent announcements from multiple banks have clarified the permissible uses of credit card funds, emphasizing that they should only be used for personal daily consumption and not for investment purposes [1][4]. Group 1: Regulatory Announcements - On August 15, Shenmu Rural Commercial Bank reiterated the guidelines from Shaanxi Rural Credit, stating that credit cards are restricted to personal consumption and cannot be used for investments such as stocks, funds, futures, and cryptocurrencies [1]. - Yunnan Rural Credit's announcement, shared by Wenshan Rural Commercial Bank on August 12, specified that credit cards cannot be used for transactions in financing, guarantees, microloans, or securities, with potential transaction failures for non-consumption-related uses [4]. - Minsheng Bank's credit card center announced on August 5 that starting September 18, cash advance transfers will be controlled, prohibiting their use for purchasing homes, investments, or repaying loans, with similar risks of transaction failures [4]. Group 2: Risk Management Measures - Banks have warned that using credit card funds for non-consumption purposes may lead to transaction failures, and they will implement risk management measures for cardholders exhibiting risky behavior [4]. - Potential measures include warnings, early termination of installment plans, credit limit reductions, transaction restrictions, and payment halts for non-compliant users [4].