No, as long as your sources of funds are legal, even if you are investigated, there will be no problem. At present, all major banks in China have established transaction detection systems to supervise RMB transactions. Major financial institutions are also required to record, track and investigate large or suspicious transactions between accounts in real time and report them when necessary.

About the savings card: If there was a similar amount of money in the past, and this 6,543,800 yuan was between private accounts, the bank would not care about you. However, if you haven't transferred a similar amount before, it is equivalent to a sudden increase of 1 10,000. It may be that a friend has made an account, and banks with strict risk control, such as China Merchants Bank, Shanghai Pudong Development Bank and Bank of China, will basically call you to inquire about the reason for this sum. If the transfer of 1 10,000 involves a company account-100% will! When you transfer out or in, you will immediately receive a phone call from the bank asking about the reason for the money. This may be judged as tax avoidance, so you should explain it clearly. If the money is used for financial management, the bank will not care. About credit cards: Unless you have tens of millions of assets in this bank and at least hundreds of thousands of credit cards every month, then 100% banks will look for you.

Then, how much expenditure is recorded in the account to be a large transaction, and will it be audited? Transfers between legal entities, individual industrial and commercial households and other entities with an amount exceeding 6,543,800 yuan are large transactions; Cash receipt and payment with an amount exceeding 200,000 yuan is also a kind of large-value transaction; Transfers of more than 200,000 yuan between individual accounts and between individual accounts and corporate bank accounts are also considered as large-value transactions.

If any of the above payment transactions occur, the bank will detect the transaction through the transaction monitoring system and record, track and feedback the transaction amount. Therefore, it is not difficult to see that as long as the transaction between accounts meets any of the above items, it will be regarded as a large transaction and the bank will monitor it. Generally speaking, these policies have little influence on you as long as they are not illegal. Even if you are reported for a sudden large transfer, the bank is just routine.