Dear cardholder of Agricultural Bank of China, your credit card transaction with the tail number of 2 126 is abnormal, so I would like to remind you to use the card correctly. What if it doesn't impro

Dear cardholder of Agricultural Bank of China, your credit card transaction with the tail number of 2 126 is abnormal, so I would like to remind you to use the card correctly. What if it doesn't improve? This shows that your bank card has been controlled by the bank's risk. It may be because your bank card is suspected of being cashed out by the pos machine, so you sent a text message to cancel the owner of the bank card, standardize the use of the card, and avoid freezing the card. So I suggest you standardize the use of cards at this time. Nowadays, many banks have started risk control, so users who are still using machines to brush pos should be careful.

What is the standard for frequent personal bank card transfers?

According to the Anti-Money Laundering Law of People's Republic of China (PRC) and the Anti-Money Laundering Regulations of Financial Institutions, not only banks, but all financial institutions are required to fulfill their anti-money laundering obligations. It is obviously unreasonable if personal bank card transfers frequently and the traffic is too large. We will monitor it on a daily basis, and once it is found, we will report it to China Anti-Money Laundering Monitoring and Analysis Center in accordance with the Measures for the Administration of Reports on Large Transactions and Suspicious Transactions of Financial Institutions. The so-called "frequent" means that transactions occur more than three times in a business day, or the business day lasts more than five days.

For "frequent" transactions, the bank monitoring center needs to identify them, and if they are compliant, they will be released. If it is finally determined that the transaction is not compliant, the bank must change the status of the personal bank card to abnormal, seal the card and stop using it, otherwise it will be punished by the People's Bank of China.

Moreover, the People's Bank of China severely punished financial institutions, not only banks, but also the relevant responsible persons of banks, and implemented the "double penalty system". According to statistics, in the anti-money laundering punishment in 20 17, the punishment for compulsory units and related responsible persons ("double punishment system") accounted for 73% of all the punishments.

What if the personal bank card status is changed to abnormal by the bank?

As a bank, customers are free to deposit and withdraw money, and it is impossible for banks to make personal banks an exception for no reason. Personal bank cards are classified as abnormal. Only when the cardholder is suspected of money laundering, illegal fund-raising and abnormal transactions in the process of using the bank card can the bank classify the bank card status as abnormal according to the identification standards and relevant regulations. Almost certainly, this kind of abnormal bank card basically has certain non-compliance behavior.

If it is really misjudged by the bank, then the cardholder needs to appeal to the bank and provide the basis for transfer payment, such as transaction contract and invoice. As long as these are provided and proved to be legal income, you need to pay personal income tax. I wonder what purpose the cardholder will use the personal bank card for settlement?

If the bank card meets the requirements of normal use after acceptance, the bank can adjust the personal bank card to normal use according to the regulations with the approval of China Anti-Money Laundering Monitoring and Analysis Center. However, is it necessary to continue to use the bank card that has been monitored?