As mentioned in this answer about bank transaction reporting, a Cash Transaction Report (CTR) will be generated for deposits (or all transactions?) greater than $10K.
So, there are two parts to this question:
- If you were making that large of a payment (via a cashiers check or other withdrawal means from a cash account) to a credit card, would the payment generate a Cash Transaction Report?
If it does require the bank to make a CTR, then is there any harm in that or anything to be concerned about? Such as...
- Appearing suspicious
- Personal reporting implications
- Recordkeeping burden
Are there any other reasons why one might want to make sure payments to a credit card are
broken upmade* in amounts smaller than $10K?
* Edited to clarify that transactions should not merely be broken up because that would be "structuring". By "made" I mean that the question is whether one should be mindful to simply not make payments larger than $10K (unless that is structuring too, though, payment amounts should be up to the payer).