Core Viewpoint - The article discusses the recent measures taken by banks, particularly China Construction Bank, to strengthen the management of credit card overpayments to prevent illegal fund transfers by criminals [1][4]. Group 1: Credit Card Overpayment Management - China Construction Bank announced that it will set limits on the deposit and transfer of credit card overpayments, which will be dynamically adjusted based on risk conditions [4]. - The bank emphasizes that credit cards should only be used for personal consumption and prohibits the lending or renting of credit cards, as well as the acceptance of funds from unknown sources [4][5]. - Other banks, including Hainan Rural Commercial Bank and Qilu Bank, have also implemented similar measures to manage credit card overpayments, indicating an industry-wide upgrade in risk control [4]. Group 2: Risks Associated with Credit Card Overpayments - Credit card overpayments, which occur when cardholders repay more than the owed amount, can be exploited by money laundering groups as a means to transfer illegal funds [4][5]. - Criminals have shifted their focus to credit cards for money laundering activities due to stricter controls on savings accounts [4]. Group 3: Fraudulent Activities Related to POS Machines - There has been a rise in fraudulent activities where criminals impersonate bank employees to sell POS machines under the guise of credit card services, leading to customer financial losses [2][7]. - Banks like Guiyang Bank and Agricultural Bank of China have issued warnings about these scams, clarifying that legitimate credit card services will not involve the sale of POS machines or require upfront fees [7][8]. - The article highlights the need for stricter monitoring and regulation of POS machines to prevent their misuse in illegal transactions [9].