Group 1 - Recent illegal activities involve enticing credit card holders to overdraw their cards for "gold trading" with promises of low thresholds and high returns [1] - Multiple banks have issued urgent announcements to strictly control credit card usage for "gold trading," stating that credit card funds must not be used for investments in high-risk areas such as the stock market and gold [1] - The volatility of gold prices is influenced by market sentiment, monetary policy, and geopolitical factors, posing significant risks for inexperienced investors who may suffer losses during price fluctuations [1] Group 2 - Financial institutions and payment agencies are urged to strengthen management of credit card cash withdrawal behaviors and to limit such activities through POS machines [2] - Authorities are called to enhance cooperation to crack down on illegal inducements for credit card overdrafts for "gold trading," with severe penalties for serious cash withdrawal cases as per legal interpretations [2] - The highest legal authorities have warned illegal operators to cease their activities to avoid legal consequences [2]

Group 1 - The core viewpoint of the article highlights the recent surge in gold investment and the associated risks of using credit cards for speculative trading in gold, prompting several banks to issue warnings [1] - Major banks such as China Construction Bank, Industrial Bank, Guangfa Bank, and Zheshang Bank have emphasized strict control over credit card usage for gold trading, citing the rise of illegal activities that lure cardholders with promises of low thresholds and high returns [1] - The banks' announcements indicate that such practices violate credit card usage regulations and pose significant financial risks, as losses from gold price fluctuations could lead to additional costs for cardholders, including interest on overdue payments and negative credit records [1] Group 2 - According to relevant regulations, credit cards are intended solely for personal consumption by the cardholder and are prohibited from being used for investment purposes, including but not limited to precious metals like gold, stocks, and funds [1]