为防范电信诈骗、洗钱等风险，银行开卡流程趋严，但部分网点"层层加码"或"一刀切"过度限制交易额 度等问题亦引发关注。 东莞情况如何？南都"民呼我测 共建美好东莞"栏目实地走访8家银行网点，南都N视频记者以办理一类 储蓄卡为目标，从办事效率、合规性、防诈执行、服务质量四个方面，对比办卡总时长，开卡提供材 料，转账限额，是否存在捆绑销售等细分指标，对银行进行测评排序，以推动银行进一步优化服务和流 程。 总得分：65分 8月7日上午，记者来到浦发银行东莞南城支行，当天该支行内无需排队，可立即办卡，不过工作人员表 示，需要出示工作证明、社保记录以及身份证。同时，工作人员表示，目前无法办理一类卡，只能办理 二类卡，使用一段时间后再升级为一类。 不过，工作人员表示记者如有办信用卡需求，办理了信用卡，就可以办理浦发的一类卡，方便后续使 用，办理的一类卡单日转出也有1万元的限制，进账则无限制。"信用卡可以过半年再注销，无需额外收 费。"工作人员介绍。 根据2021年银保监会办公厅发布的《关于优化银行开户服务 切实解决群众"办卡难"和小微企业"开户 难"的通知》，银行不得在开户时，强制个人或小微企业购买理财、保险、结构性存款等 ...

Core Insights - Many organizations fall into the pricing trap of offering free products or services to increase market acceptance, but this often leads to high hidden costs and challenges in charging later [1][9] - Consumer psychology indicates that charging even a nominal fee can enhance perceived value and responsible usage of products [2][3] Pricing Strategies - Charging a nominal fee can foster a sense of responsibility among consumers, as seen in the case of Al-Azhar Park, which thrived after implementing an entry fee, contrasting with the decline of Al-Fustat Gardens due to lack of funding and maintenance [2][3] - Companies should clearly communicate the economic value of their products or services, even if they are currently free, to avoid user resistance to future charges [3][6] - Strategies such as strike-through pricing, bundling, and freemium models can help establish perceived value and encourage users to recognize the worth of services [4][5][6] Timing and Communication - The timing of price adjustments and value communication is crucial; informing users about upcoming price changes can shift their focus from costs to benefits [7][8] - Providing a transition period before implementing charges allows users to prepare and understand the value of the service, making them more likely to accept future fees [7][8] Creating Perceived Value - Limiting free offerings through time constraints or conditions can enhance perceived value, as seen with services like Headspace and The New York Times, which offer limited free trials while establishing a reference price [9][9] - Organizations must recognize that "free" is rarely truly free; it sets expectations and behaviors that can be difficult to reverse, making strategic pricing decisions essential [9]