Something quite outrageous happened recently. A user transferred 250 yuan as pocket money to her husband, and casually wrote "This week's Dogecoin" in the transfer note. Unexpectedly, this simple remark directly caused trouble—bank calls came one after another, asking about their relationship and the meaning of the note, and finally informing her that her account had been flagged as high risk and restricted to a "no deposit, no withdrawal" status. To put it plainly, the card was frozen just like that.

The response from China Construction Bank was also very straightforward. An employee at a Dalian branch clearly stated that as long as virtual currency-related content is involved, the account will be handled this way. To unfreeze it? She would need to prove that it has nothing to do with virtual currencies. But that becomes a problem—what proof can she provide? Having only bank transaction records obviously isn't enough, and in the worst case, the account might even be canceled. The CCB customer service added an explanation: they do not conduct virtual currency business themselves, but their system automatically restricts accounts when it detects risk signals. This is what people often call "locking the card."

Currently, the user has submitted her husband's bank statement and a handwritten commitment letter to go through the unfreezing process. Interestingly, her husband's bank branch offered a very practical solution—just send a photo of the marriage certificate, and the restriction can be lifted. It shows that in the face of digital risk control systems, sometimes the most primitive proof of identity is the most effective.

In fact, this reflects a long-term strict regulatory policy. Since 2021, relevant authorities have clearly defined the nature of virtual currency-related activities, and industry associations have repeatedly warned about related risks. This attitude has not relaxed. The keyword monitoring system in the banking system is like a preset automatic "alarm," which triggers whenever words like "Dogecoin," "Bitcoin," or "USDT" are detected. Whether you're genuinely trading or just joking, the system will block it first.

This "better to mistakenly block a thousand than to let one slip" approach is actually a forced measure under the broader context of anti-money laundering and anti-fraud efforts. So here's a reminder—when making transfers, be very cautious with the remarks. Avoid using virtual currency names if possible; don’t cause yourself trouble just for fun. If you accidentally include such words, prepare proof materials like marriage certificates or chat records that can demonstrate your relationship. They might even become the key to unfreezing your account. After all, in this era, sometimes the simplest things are the most useful.