Zhong Guo Zheng Quan Bao·2025-10-16 20:12Core Viewpoint - The recent announcement by China Construction Bank regarding the management of credit card overpayments aims to prevent illegal activities such as telecom fraud, gambling, and money laundering while ensuring that customers' normal card usage rights are not affected [1][2]. Group 1: Credit Card Overpayment Management - China Construction Bank has set limits on credit card overpayment deposits and withdrawals, which will be dynamically adjusted based on risk assessments [1]. - Other banks, including Hainan Rural Commercial Bank and Qilu Bank, have also implemented similar measures to manage credit card overpayments [1][2]. - The definition of overpayment includes any amount deposited that exceeds the total outstanding balance on the credit card account [2]. Group 2: Prevention of Illegal Activities - The restrictions on overpayments are primarily to prevent credit cards from being exploited by criminals for money laundering and other illegal transactions [2][3]. - Criminals often target high-limit credit card holders, using tactics such as renting or purchasing idle credit cards to facilitate illegal fund transfers [3]. - Banks have issued warnings to credit card holders, emphasizing that cards should only be used for personal consumption and not for illegal activities [3][4]. Group 3: Enhanced Risk Management - Banks are enhancing their risk management protocols for credit card overpayments, including measures like transaction limits and account freezes based on risk assessments [4]. - Experts suggest that banks should monitor credit card transactions more closely, looking for unusual patterns such as rapid recharges and mismatched merchant categories [4].