1. Under normal circumstances, if the user's bank card traffic is too large, it is easy to be monitored by the bank for anti-money laundering. Once monitored by the bank, the status of that individual's bank card account will become abnormal, which will affect the normal use of personal bank cards.

2. Of course, if it is normal bank card transaction funds, even if the running volume is relatively large, it will not have any impact. If "centralized transfer-in, decentralized transfer-out, decentralized transfer-in and centralized transfer-out" frequently occurs, the bank will temporarily freeze the bank card and check the account after freezing. The user's bank card will not be unfrozen until it is confirmed.

Therefore, users are advised to strictly abide by the rules and regulations when using bank card accounts.

Users frequently swipe their bank accounts, which will be monitored by banks against money laundering. As a result, the user's account will show abnormal status or cannot be used normally. However, if there are frequent centralized transfer-in and decentralized transfer-out or decentralized transfer-out of user accounts, the bank will temporarily freeze them for account protection and conduct spot checks in the future.

In our daily life, bank flow plays an important role. It can not only help users summarize and present their own consumption, but also serve as the main basis for banks or other financial institutions to approve users' loans.

In order to cultivate their good credit status and help them pass the loan approval smoothly, many people will deliberately brush the water. In fact, running water is a reference for loans and a display of deposit and withdrawal transactions in bank current accounts. Through its specific specifications, bank running water is an intuitive way to estimate the consumption level and income level of users, which can help banks better understand the economic situation and repayment level of loan handlers.

Wage flow is also the main proof of personal income recognized by banks, which usually refers to the amount of income after deducting provident fund social security, and can be used as a certificate and guarantee for users to have stable jobs and stable income.

Although it is necessary to cultivate and optimize the bank running account before applying for a loan, it should also be noted that if you cooperate with others to intentionally swipe the bank running account, it may involve criminal issues.

Moreover, once the bank account with running water is detected by the bank monitoring system, it will be frozen, and then it needs to be relieved of risk before it can resume normal use. Under normal circumstances, as long as the user's running bill is normal, the bank will not deliberately make things difficult for the user when reviewing the loan.

Legal basis:

Criminal law of the people's Republic of China

Article 174 Crime of Forging, Altering or Transferring Business Licenses or Approval Documents of Financial Institutions Whoever forges, alters or transfers business licenses or approval documents of commercial banks, stock exchanges, futures exchanges, securities companies, futures brokerage companies, insurance companies or other financial institutions shall be punished in accordance with the provisions of the preceding paragraph.

If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the first paragraph.

Article 175 The crime of usury is aimed at usury, and if the illegal income is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income.

Where a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.