记者进一步梳理发现，进入8月以来，还有陕西省农村信用社联合社、云南省农村信用社联合社等先后 发布公告，明确信用卡资金不得用于投资股票、基金、期货等理财领域，不可在融资、担保、微贷、证 券等投资领域商户进行透支交易。随后，前述两大农信旗下的多家农商行也纷纷转发相关公告。 近段时间A股市场持续回暖，正激发投资者的热情。记者18日采访发现，进入8月以来，已有包括中国 民生银行、华夏银行等股份制商业银行在内的多家金融机构陆续发布公告，重申信用卡资金严禁流入股 市等投资领域。业内人士普遍认为，银行此举旨在强化风险提示，确保信用卡资金回归消费本源。 本月初，中国民生银行在其官网发布的一则《关于新增信用卡预借现金受控金额的公告》称，从9月18 日起，该行将信用卡预借现金转账业务纳入信用卡资金受控金额，并对该受控金额进行资金用途管理。 信用卡资金受控金额为转入该行借记卡内的信用卡透支资金，不得用于购房、投资、生产经营、归还贷 款及信用卡、博彩及其他违规领域。公告还强调，违规使用受控金额可能导致交易失败。 2天后，华夏银行信用卡中心也在官网发布有关更新《华夏银行信用卡预借现金条款及细则》的公告。 依据该公告，客户预借现金不得用 ...

Core Viewpoint - Recent announcements from multiple banks indicate a strict prohibition on the use of credit card funds for investments, including stock markets and real estate, in response to regulatory requirements aimed at controlling the flow of credit card funds into restricted areas [1][4]. Group 1: Bank Announcements - Minsheng Bank's credit card center announced that starting September 18, 2025, credit card cash advance transfers will be subject to controlled amounts, prohibiting their use for investments, home purchases, and other non-consumption activities [2]. - Huaxia Bank updated its cash advance terms, stating that funds must not be used for investments, including stocks, securities, or real estate, and warned of potential restrictions on card usage for violations [2][3]. - Shaanxi Rural Credit Union specified that credit card funds cannot be used for real estate purchases, investments in financial products, or business operations, with penalties for non-compliance [3]. Group 2: Regulatory Context - The People's Bank of China and the former China Banking and Insurance Regulatory Commission previously issued guidelines emphasizing the prohibition of credit card funds for investments and the necessity for banks to monitor fund usage effectively [4]. - Banks are obligated to regularly remind the public about the proper use of credit card funds to prevent misuse, which could lead to account freezes and damage to personal credit ratings [4].