Core Viewpoint - The A-share market has been performing strongly this year, attracting significant investor attention, while multiple rural commercial banks in provinces like Shaanxi and Yunnan have issued announcements prohibiting the use of credit card funds for stock investments and other financial products [1][6]. Regulatory Environment - Several rural commercial banks have clarified the usage of credit card funds, explicitly stating that they cannot be used for investment in stocks, funds, futures, virtual currencies, and other equity investments [3][4]. - Since October of the previous year, numerous banks, including state-owned and regional banks, have issued public statements banning the inflow of credit card funds into the stock market [7][8]. Compliance Measures - Banks have implemented strict compliance measures, warning that any misuse of credit card funds for non-consumption purposes could lead to transaction failures and various risk control actions, such as account warnings and transaction restrictions [6][10]. - The regulatory framework has been tightening, with the People's Bank of China and the former China Banking and Insurance Regulatory Commission emphasizing that credit card funds should not be used for loans or investments [12][13]. Market Trends - The credit card market has seen a reduction in the number of cards issued, with a decrease of 12 million cards in the second quarter of 2025 compared to the end of 2024, indicating a shift from rapid expansion to a focus on quality and user experience [12][13]. - Experts suggest that the credit card industry is undergoing a transformation towards value creation, emphasizing diversified scenarios, digitalization, and collaboration to enhance consumer finance models [13].