Zhong Guo Zheng Quan Bao·2025-10-16 22:20Core 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 will set limits on credit card overpayment deposits and withdrawals, which will be dynamically adjusted based on risk assessments [1][2]. - Other banks, including Hainan Rural Commercial Bank and Qilu Bank, have also implemented similar restrictions on credit card overpayment limits this year [2]. - Qilu Bank announced it would monitor credit card transactions and manage overpayment deposits and withdrawals to prevent abnormal transactions [2]. Group 2: Risks of Overpayments - Overpayments can be exploited by criminals for money laundering, as they can use credit cards to transfer illicit funds under the guise of legitimate transactions [4]. - Criminals may rent or purchase idle credit cards from consumers, then deposit illegal earnings as overpayments and withdraw them through disguised merchant transactions [4]. Group 3: Preventive Measures - Banks are issuing warnings to credit card holders, emphasizing that cards should only be used for personal consumption and must not be rented or used to receive unclear funds [5]. - Minsheng Bank is enhancing risk management for credit card overpayments and will implement measures such as transaction restrictions and account freezes based on risk assessments [6]. - Experts suggest that banks should improve monitoring of credit card transactions and establish information-sharing mechanisms to prevent fraudulent activities [6].