Huan Qiu Wang·2025-09-29 01:47Core Viewpoint - The announcement from China Construction Bank emphasizes the management of credit card overpayments to protect cardholder rights and prevent misuse of funds [1][3]. Group 1: Credit Card Overpayment Management - China Construction Bank has set limits on the deposit and transfer of credit card overpayments, which will be dynamically adjusted based on risk conditions [1][3]. - The bank specifies that credit cards are for personal use only, prohibiting activities such as renting, lending, or selling credit cards, and the acceptance of funds from unknown sources [3][4]. - Other banks, including Hainan Rural Commercial Bank, Qingdao Rural Commercial Bank, Qilu Bank, and Cangzhou Bank, have also issued similar announcements to strengthen the management of credit card overpayments [3][4]. Group 2: Regulatory Context - The management of credit card overpayments is aimed at preventing illegal activities such as telecom fraud and ensuring that cardholders use their credit card resources responsibly [4]. - According to regulatory guidelines, financial institutions are required to implement measures to prevent fraud and excessive card issuance, including monitoring dormant credit cards [4].