樱桃小橘子
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The bitter lesson of the old leeks: Making money from selling coins does not mean safety, 90% of people fail at the last step
A must-read for newbies: Your first withdrawal may be triggering risk control!
Three common mistakes made by beginners:
• Seeking unreliable channels for high prices
• Receive payment via payroll or primary card
• Large amounts of money are kept in bank cards for a long time
Three tips for safe cash withdrawals:
Backup card strategy
• Card selection: Local banks or Postal Savings Bank (relatively loose risk control)
• Single transaction limit: no more than 50,000 yuan (if it exceeds the limit, it will be easy to be targeted)
Funds transfer tips
• Fast processing: transfer to Yu'ebao within 1 hour after receiving the funds (can reduce the freezing by half)
• Distributed withdrawals: No more than 2 withdrawals per week from the same card
Account Isolation Principle
• Use your salary card only for daily spending and don’t use it for any certain transactions.
High-risk funding types:
• Dangerous funds: money that looks like money from a scam (often transferred at night, mostly in round numbers)
• Medium-risk funds: Gambling funds (small, scattered, frequent in and out)
Risk-averse approach:
• Request transfer of accounts with the same name
• Don’t trade between 10pm and 6am
Don’t panic if your card is frozen, 72 hours of golden emergency:
• Emergency brake: Immediately stop all transactions and turn off the mobile banking transfer function
• Ask the bank: Contact the bank and ask for the frozen department and phone number
Prepare the materials:
• Transaction records: screenshots of platform orders (with merchant and time information)
• Chat history: When talking to merchants, just talk about ordinary commodity transactions
• Proof of income: salary flow for the last six months (proving the money came from legitimate sources)
• Tell the bank: I bought legitimate goods and the money is legal.
• Don’t say words like Bitcoin, USDT, and cryptocurrency speculation.
Advanced antifreeze: Ghost withdrawal method (suitable for large amounts)
Hong Kong stock broker channel:
• Convert a certain type of asset into Hong Kong dollars and use a Hong Kong brokerage account to buy US stocks.
• After selling, withdraw cash to a Hong Kong bank card and then transfer back to the mainland (must be reported in compliance with regulations)
Gold ETF transfer:
• Buy physical gold ETFs and sell gold bars offline (cost is about 2%-3%)
Offline redemption:
• Find an exchange dealer with a physical store (check their qualifications) and exchange Hong Kong dollars or RMB in person.
The Ultimate Freeze Protection: Decentralized Operations
• Multiple backup cards: Have at least 3 “backup cards” from different banks to use in rotation.
• Controlled amount: A single withdrawal shall not exceed 30% of the monthly average card turnover (monthly turnover of 100,000, single withdrawal shall not exceed 30,000)
• Try with a small amount first: Before making a large withdrawal, try withdrawing 1,000 yuan first, and then continue after 24 hours without any problems.
A must-read for newbies: Your first withdrawal may be triggering risk control!
Three common mistakes made by beginners:
• Seeking unreliable channels for high prices
• Receive payment via payroll or primary card
• Large amounts of money are kept in bank cards for a long time
Three tips for safe cash withdrawals:
Backup card strategy
• Card selection: Local banks or Postal Savings Bank (relatively loose risk control)
• Single transaction limit: no more than 50,000 yuan (if it exceeds the limit, it will be easy to be targeted)
Funds transfer tips
• Fast processing: transfer to Yu'ebao within 1 hour after receiving the funds (can reduce the freezing by half)
• Distributed withdrawals: No more than 2 withdrawals per week from the same card
Account Isolation Principle
• Use your salary card only for daily spending and don’t use it for any certain transactions.
High-risk funding types:
• Dangerous funds: money that looks like money from a scam (often transferred at night, mostly in round numbers)
• Medium-risk funds: Gambling funds (small, scattered, frequent in and out)
Risk-averse approach:
• Request transfer of accounts with the same name
• Don’t trade between 10pm and 6am
Don’t panic if your card is frozen, 72 hours of golden emergency:
• Emergency brake: Immediately stop all transactions and turn off the mobile banking transfer function
• Ask the bank: Contact the bank and ask for the frozen department and phone number
Prepare the materials:
• Transaction records: screenshots of platform orders (with merchant and time information)
• Chat history: When talking to merchants, just talk about ordinary commodity transactions
• Proof of income: salary flow for the last six months (proving the money came from legitimate sources)
• Tell the bank: I bought legitimate goods and the money is legal.
• Don’t say words like Bitcoin, USDT, and cryptocurrency speculation.
Advanced antifreeze: Ghost withdrawal method (suitable for large amounts)
Hong Kong stock broker channel:
• Convert a certain type of asset into Hong Kong dollars and use a Hong Kong brokerage account to buy US stocks.
• After selling, withdraw cash to a Hong Kong bank card and then transfer back to the mainland (must be reported in compliance with regulations)
Gold ETF transfer:
• Buy physical gold ETFs and sell gold bars offline (cost is about 2%-3%)
Offline redemption:
• Find an exchange dealer with a physical store (check their qualifications) and exchange Hong Kong dollars or RMB in person.
The Ultimate Freeze Protection: Decentralized Operations
• Multiple backup cards: Have at least 3 “backup cards” from different banks to use in rotation.
• Controlled amount: A single withdrawal shall not exceed 30% of the monthly average card turnover (monthly turnover of 100,000, single withdrawal shall not exceed 30,000)
• Try with a small amount first: Before making a large withdrawal, try withdrawing 1,000 yuan first, and then continue after 24 hours without any problems.
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.
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