China Construction Bank responds to card lockout due to transfer remarks containing "Dogecoin": Risk monitoring will be triggered and account transactions will be restricted.

Odaily Planet Daily reports that a user's account was recently restricted to a "no receiving, no sending" status by China Construction Bank after the words "Dogecoin" appeared in the bank transfer remarks, drawing attention. The user stated that several months ago, he and his spouse transferred 250 yuan of pocket money between their CCB accounts, with the remarks "Dogecoin this week." Subsequently, both parties received calls from the bank to verify their relationship and the meaning of the remarks, and were informed that the remarks triggered "virtual currency control" risk monitoring.

China Construction Bank (CCB) staff requested relevant bank card transaction records and a written commitment to prove that the transfer was not a cryptocurrency transaction. The account could only be unblocked after the verification was approved. Some branch staff stated that if the transfer remarks contained keywords related to cryptocurrency, proof that it was unrelated to cryptocurrency was required; otherwise, the account might not be unblocked and would have to be cancelled.

In response, China Construction Bank's customer service stated that the bank does not conduct virtual currency trading business. However, if the system identifies high-risk behavior, the account may be temporarily restricted from trading. The specific criteria for this restriction need to be explained by the account opening bank or account manager. Industry insiders pointed out that the relevant handling is related to the bank's internal risk control and regulatory requirements.

According to Xinhua News Agency, on December 5th, seven associations, including the National Internet Finance Association of China, jointly issued a risk warning, requiring member units to refrain from participating in the issuance and trading of virtual currencies and related tokens within China, and reminding the public to be vigilant about related risks. (Sina Finance)