凌晨多次点外卖被银行冻卡？四川农商行回应来了

Core Viewpoint - The article highlights an incident involving Sichuan Rural Commercial Bank (Sichuan Rural Credit) where a customer faced transaction restrictions due to excessive late-night food delivery orders, raising concerns about the bank's risk control measures and their impact on customer experience [3][10][12]. Group 1: Incident Overview - A customer reported that their bank card was restricted due to multiple late-night food delivery transactions, requiring a visit to an anti-fraud center for unblocking [3][5]. - Other users shared similar experiences, indicating a pattern of transaction limitations imposed by Sichuan Rural Credit [8]. Group 2: Bank's Response and Policies - Sichuan Rural Credit confirmed that transaction limits are based on individual customer usage patterns, but did not provide specific criteria for risk assessment [10][11]. - The bank's customer service stated that customers can request adjustments through mobile banking or at the bank's branch if their transactions are restricted [10]. Group 3: Expert Analysis - Dong Ximiao, Chief Researcher at Zhaolian Financial, criticized the bank for excessive control measures, suggesting that the tightening of account management in response to anti-fraud and anti-money laundering pressures has led to unnecessary restrictions on legitimate transactions [12]. - He emphasized the need for a balanced approach in financial regulations that protects citizens' daily activities while effectively combating fraud and money laundering [12].