Multiple Banks Clarify! This Money Cannot Be Used for Stock Trading

　　Reporters have noted that since August, multiple commercial banks have issued announcements explicitly prohibiting the use of credit card funds for stock trading.

　　On August 14, Weibin Rural Commercial Bank announced that credit card funds must not be used for investment and financial management areas, such as purchasing stocks, funds, futures, etc.

　　On August 7, Huaxia Bank issued an announcement stating that cash advances, including cash withdrawals and cash transfers, must not be used by customers for any non-consumption activities such as production, operation, or investment (including but not limited to purchasing financial products like stocks, securities, futures, wealth management products, buying property, or engaging in real estate operations, etc.).

　　On August 5, the credit card center of China Minsheng Bank announced that, in accordance with credit card fund usage management requirements, starting from September 18, 2025, credit card cash advance transfer services will be included in the controlled amount of credit card funds, and the usage of these controlled funds will be managed. The overdraft funds transferred into a debit card must not be used for property purchases, investments, production and operation, repaying loans and credit cards, gambling, or other prohibited areas. Otherwise, transactions may fail.

　　Additionally, multiple banks such as Shaanxi Fengxiang Rural Commercial Bank, Shaanxi Zichang Rural Commercial Bank, and Yunnan Hekou Rural Commercial Bank have recently issued announcements clarifying that credit card funds must not be used for investment and financial management purposes.

　　Lou Feipeng, a researcher at China Postal Savings Bank, stated that credit card funds are inherently intended for personal consumption. Their flow into the stock market carries risks of non-compliant fund usage and failure to meet regulatory requirements. Moreover, given the risks associated with stock market investments, investment losses could increase the cardholder's repayment pressure and potentially expose banks to greater non-performing asset pressures.

　　"Banks should establish a scientific and reasonable performance assessment indicator system for credit card business, with the weight of compliance operation and risk management indicators significantly higher than that of other types of indicators," suggested Lou Feipeng.