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phoenix finance reported on august 28 that a netizen criticized china construction bank for setting transfer limits and requiring people to go to the counter to adjust them. he also complained, "it's not just china construction bank that has this problem, other banks have the same problem, such as icbc."

_{screenshot of netizens’ posts}

it is understood that the reason why banks are so "cautious" in money transfer business is to "fight against telecom fraud" and minimize the possibility of customers suffering property losses due to telecom fraud.

however, the netizen disagreed with this reason. he believed that banks were restricting depositors from transferring or withdrawing large amounts of money under the pretext of fighting fraud. "as an adult, i can be responsible for my own money. even if i encounter fraud, i am willing to lose it." he also complained that there are relatively few restrictions on transfers with class i cards, while transfers with class ii cards are very limited. "(based on) current prices, it may not even be enough to buy a small appliance."

phoenix finance's "banking eye" learned that the adjustment of bank card transfer limits has indeed caused inconvenience to many netizens. previously, "salary card transfer limit was reduced to 500 yuan" was once a hot search, and the "accidental injury" caused by banks' anti-money laundering and anti-fraud efforts caused heated discussions.

bank practitioners are also quite helpless about this. "the upgrade of personal bank card control under anti-fraud requirements is to protect the cardholder's financial security rather than restrict the use of the card. generally, there will be no limit adjustment when the card is used normally."

phoenix finance's "banking eyes" consulted the ccb customer service about the transfer limit as a depositor. the reply was, "you can apply for an increase in the limit through mobile banking or the ccb official wechat public account. if it fails, you need to go to the counter to handle it."

_{sms on how to adjust credit limit of china construction bank}

as for why the transfer limit was set, ccb customer service said, "it may have triggered the backend risk control system. the specific limit control reason needs to be checked at the bank counter."