If you don't follow up, you may be suspected of money laundering. It's beyond your control that others use a copy of your ID card to engage in such illegal activities. As long as you prove that you didn't do it, you don't know, so you won't take any responsibility. If your credit history or account number is found to be affected in the future, take different legal measures to protect your rights according to the specific situation.
If the personal bank card transfers frequently and the flow is too large, which obviously does not conform to common sense, the bank will conduct daily monitoring. Once it is found, it will report it to the China Anti-Money Laundering Monitoring and Analysis Center according to the Measures for the Administration of Reports on Large Transactions and Suspicious Transactions of Financial Institutions, and the bank will change the status of the personal bank card to abnormal, seal the card and stop using it. 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.
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.
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.
: What should I do if my 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.
Legal basis:
Article 191 of the Criminal Law: Whoever knowingly commits one of the following acts is the proceeds of drug crimes, organized crimes of underworld nature, crimes of terrorist activities, crimes of smuggling, crimes of corruption and bribery, crimes of disrupting financial management order, and crimes of financial fraud, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined more than 5% of the amount of money laundered. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5% but not more than 20% of the money laundering amount: (1) providing a capital account; (2) Assisting in converting property into cash, financial bills and securities; (three) to assist the transfer of funds through transfer or other settlement methods; (four) to assist the remittance of funds abroad; (5) concealing or disguising the source and nature of the proceeds of crime and their proceeds by other means. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years.