Core Viewpoint - China Construction Bank announced new measures to manage credit card overpayment deposits and withdrawals, aiming to prevent illegal activities such as telecom fraud, gambling, and money laundering [1] Group 1: Company Actions - The bank will set limits on overpayment deposits and withdrawals for credit cards, which will be dynamically adjusted based on risk assessments [1] - The measures are part of a broader trend among banks to enhance risk control for credit cards through account monitoring and limit restrictions [1] Group 2: Industry Trends - Multiple banks have been upgrading their credit card risk prevention measures this year, focusing on guiding cardholders to manage and utilize their credit card resources responsibly [1]

近期，建设银行发布公告称，在满足客户合理还款的需求下，该行将对信用卡设定溢缴款存入、转出限 额，该限额将结合风险情况进行动态调整。业内人士认为，加强对信用卡溢缴款的管理，旨在防范信用 卡被用于电信诈骗、赌博、洗钱等非法交易。今年以来，多家银行从账户监测、额度限制等方面，不断 升级信用卡风险防控措施，并引导持卡人合理安排和使用信用卡账户资源。 加强溢缴款管理 10月16日，建设银行相关工作人员向中国证券报记者表示："限制信用卡溢缴款金额主要是为了防范信 用卡被用于电信诈骗、赌博、洗钱等非法交易，不会影响客户的正常用卡权益，建议客户使用本人账户 在规定日期内按实际账单金额或透支金额进行还款。" 记者梳理发现，今年以来，加大信用卡溢缴款管理的银行不止建设银行一家。此前，海南农商银行、齐 鲁银行、沧州银行等多家银行也均发布公告对溢缴款额度进行限制。 例如，齐鲁银行在公告中表示，该行将在满足客户合理还款的需求下，对信用卡账户还款、溢缴款存入 及支取设定金额上限，同时将持续开展信用卡交易监测，加强信用卡溢缴款存入及转出、异常境内外消 费及取现等交易管理，对信用卡异常交易采取相应管控措施。 对于部分疑似存在风险的信用卡账户 ...