Fan Contributions:
You made several times the money in coins, but a wave of withdrawals triggered risk control, causing funds to be frozen, accounts to be closed, and even your salary card to be affected?
Don't panic! I have summarized the three most common fatal mistakes made by novices + practical antifreeze strategy
Three common pitfalls for novices:
In pursuit of high exchange rates, blindly trusting the "circle of friends channel"
Receive money directly with salary card/common card
Large amounts of funds remain in the bank card for a long time after withdrawal
🛡 Three strategies for safe withdrawal:
1. Backup card play (good card selection, half the risk control)
Use local banks or Postal Savings Bank (relaxed risk control)
Keep the single transaction within 50,000, don’t exceed!
2. Fast transfer of funds (time is security)
Transfer to Yu'ebao, fund or WeChat change within 1 hour after receiving the funds
Withdraw money in batches, no more than 2 times per card per week
3. Account role isolation
Salary card ≠ cash withdrawal card, never mix them up!
Use your card only for daily payments and avoid transactions
Focus: Characteristics of high-risk funds
Suspected fraudulent transfers: large amounts, whole numbers, and received in the early morning
Gambling transactions: frequent in and out, small amounts of money
Avoidance tips:
Strict requirements for "accounts with the same name"
Transfers are prohibited between 10pm and 6am
Avoid using keywords such as "USDT, cryptocurrency, Bitcoin"
🆘 What to do if your card is frozen? Golden 72-hour self-help guide:
Immediately suspend all transactions and close the mobile banking transfer function
Take the initiative to contact the bank to find out the freezing department
Submit the following materials (can save lives):
• Screenshots of platform transactions (including merchants/time)
• Conversation records with merchants (only mentions ordinary goods)
• Half-year salary flow (proving the legality of the source of funds)
• Unified statement: “I bought legal goods”
Advanced operation: Large amount of safe withdrawal technique (recommended for those with more than 100,000 yuan in funds)
Method 1: Hong Kong stock broker channel
Convert currency into Hong Kong dollars and use the exchange to connect with Hong Kong stock brokers to buy US stocks
Then withdraw cash to a Hong Kong bank card and transfer it back to the mainland (in compliance with compliance reporting)
🪙 Method 2: Gold ETF Transfer
Buy physical gold ETFs and sell them offline for cash
The cost is about 2%-3%, but it is extremely safe
Method 3: Offline redemption
Find a formal and qualified physical exchanger
Face-to-face capital verification and cash exchange in HKD or RMB
Ultimate risk prevention and control tips:
Prepare 3 or more different bank cards for rotation
The single withdrawal amount is controlled within 30% of the average monthly turnover of the card.
Before any large-scale operation, first withdraw 1,000 yuan to test the waters and see the reaction
Don’t let your huge profits be wiped out at the last step!
In the comments section, tell us what pitfalls you have encountered and how you made a safe withdrawal.
