多家银行已预警！加强信用卡溢缴款 防范洗钱风险

Core Viewpoint - Multiple banks are enhancing credit card overpayment management to prevent illegal activities such as telecom fraud, gambling, and money laundering [1][2][3] Group 1: Bank Announcements - Several banks, including China Construction Bank, Qingdao Rural Commercial Bank, and Hainan Rural Commercial Bank, have issued announcements to strengthen the management of credit card overpayments [1][2] - China Construction Bank advises customers to use their own accounts for repayments and will set dynamic limits on overpayment deposits and withdrawals based on risk assessments [2][3] Group 2: Risks and Fraud Prevention - The term "overpayment" refers to funds exceeding the repayment amount in a credit card account, which typically does not accrue interest, leading to minimal proactive deposits by cardholders [1][3] - Fraudsters may exploit credit card overpayments for money laundering by creating fake transaction records through POS machines, using cardholders' "clean" accounts to transfer illicit funds [3][4] Group 3: Industry Insights - The use of POS machines in fraudulent activities is prevalent, with criminals impersonating bank employees to scam users into paying deposits for high-limit credit cards [3][4] - Analysts emphasize the need for banks to monitor the flow of funds and implement risk control models to detect unusual activities, while payment institutions should enforce strict regulations on merchant accounts [5]