Core Insights - The article discusses the tightening of bank card application processes in response to risks such as telecom fraud and money laundering, highlighting issues of excessive restrictions and inconsistent practices across different bank branches [1] Group 1: Bank Evaluation - A survey was conducted in Zhuhai, where seven banks were evaluated on their compliance, efficiency, fraud prevention execution, and service quality while processing applications for a type of savings card with a daily transfer limit of 50,000 yuan [1] - The results showed a significant disparity among the banks, with some achieving high scores (up to 95) for efficient service and smooth processes, while others scored as low as 55 due to lengthy procedures and excessive restrictions [1] Group 2: Case Study - China Everbright Bank - On June 25, a reporter visited China Everbright Bank's Gongbei branch to experience the process of applying for a type of savings card, which took about one hour [3] - Initially, the bank was cautious and set a transfer limit of 5,000 yuan, citing regulations from the People's Bank of China, which restricts new cardholders' daily transfer limits [5] - After persistent requests, the bank eventually allowed the application for a type of savings card, but required extensive verification of the applicant's financial situation and purpose for the card [6] Group 3: Application Process - The application process involved multiple steps, including identity verification and inquiries about the applicant's financial plans, which led to the bank initially refusing the application due to insufficient verification of the intended use of funds [5][6] - After further discussion and assurance from the applicant, the bank allowed the application, but still imposed a 5,000 yuan limit on mobile and online transfers [6] - The overall process, including the application and account setup, took approximately 20 minutes, with the bank also promoting its mobile app and additional services during the interaction [7]