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华夏银行开卡实测:新用户可开二类卡,推荐办公地点附近办理
Nan Fang Du Shi Bao· 2025-08-23 12:57
Core Insights - The article discusses the tightening of bank account opening processes in response to risks such as telecom fraud and money laundering, highlighting concerns over excessive restrictions and varying practices among banks [2] - A field study conducted in Huizhou evaluated the account opening services of nine banks based on efficiency, compliance, fraud prevention execution, and service quality [2] - The results indicated that while all nine banks excelled in fraud prevention education, there were inconsistencies in account opening practices, with seven banks successfully issuing different types of accounts, while two banks imposed restrictions on new users [2][3] Group 1: Bank Performance - Among the seven banks that successfully issued first-class cards, five completed the process within 30 minutes, while some took up to 50 minutes [3] - The evaluation included a specific case at Huaxia Bank Huizhou Branch, where the total time taken for the process was approximately 7 minutes [4] - The staff at Huaxia Bank engaged the customer by confirming the purpose of the account and required the signing of a fraud notification form [4] Group 2: Restrictions and Compliance - At Huaxia Bank, the staff informed the customer that new users could only open second-class cards, which have a daily deposit limit of 10,000 yuan and do not allow non-counter transactions [6] - The staff explained that upgrading from a second-class to a first-class card depends on the future usage of the account, indicating a strict approach to new account openings [6] - The customer ultimately decided not to proceed with the second-class card due to the restrictions imposed [6]
光大银行开卡实测:办理时间最短,需添加客户经理微信
Nan Fang Du Shi Bao· 2025-08-23 08:08
Core Insights - The article discusses the tightening of bank account opening processes in response to risks such as telecom fraud and money laundering, highlighting concerns over excessive restrictions and inconsistent practices across different bank branches [2] Group 1: Bank Evaluation - A survey was conducted across 9 banks in Huizhou to assess the efficiency, compliance, anti-fraud execution, and service quality of their account opening processes [2] - All 9 banks demonstrated strong anti-fraud education efforts, with staff proactively informing customers about fraud prevention during the account opening process [2] - Out of the 9 banks, 7 successfully issued different tiers of primary accounts, while 2 banks (Huaxia Bank and Industrial Bank) cited specific restrictions preventing new users from obtaining primary accounts [2] Group 2: Specific Bank Performance - The evaluation of the Everbright Bank Huizhou branch revealed a total processing time of approximately 11 minutes for opening a primary savings account, scoring 95 points in the assessment [3] - The bank's customer service indicated that only secondary accounts could be opened for general use, with primary accounts reserved for specific purposes such as salary, investment, or loan services [5] - The account opening process at Everbright Bank included identity verification and a reminder that the card must be used personally, with a temporary transaction limit of 5,000 yuan for new accounts [5]
广州银行开卡实测:办卡流程顺畅 需手持身份证拍照
Nan Fang Du Shi Bao· 2025-08-22 14:40
Core Insights - The article discusses the tightening of bank card application processes in response to risks such as telecom fraud and money laundering, highlighting the varying degrees of compliance and service quality among different banks in Huizhou [2][4]. Group 1: Bank Card Application Process - Banks have implemented stricter card application processes, leading to concerns about excessive restrictions on transaction limits and the potential for "one-size-fits-all" policies [2]. - A survey of 9 banks in Huizhou revealed that 7 banks successfully issued first-class cards, while 2 banks cited reasons related to customer eligibility for not issuing first-class cards [2]. - The time taken to complete the card application process varied, with 5 banks processing applications in under 30 minutes, while some took up to 50 minutes [2]. Group 2: Fraud Prevention and Customer Service - All surveyed banks demonstrated strong performance in fraud prevention education, with staff proactively informing customers about anti-fraud measures during the card application process [2]. - One bank confirmed that new users typically receive a card with a limit of 1,000 yuan, which can be adjusted based on banking activity after a few months [4]. - The application process at one bank took less than 20 minutes, indicating efficiency in service delivery [6].
惠州9家银行开卡实测:最低日限额千元,有银行所需材料繁琐
Nan Fang Du Shi Bao· 2025-08-22 01:57
Core Viewpoint - The article discusses the evaluation of banking services in Huizhou, focusing on the efficiency, compliance, anti-fraud measures, and service quality of nine banks during the process of opening a type one savings account and activating online banking. Evaluation of Banking Services - The evaluation was conducted by reporters visiting nine banks in Huizhou, assessing the process based on efficiency, compliance, anti-fraud execution, and service quality [4][5][7]. - Results showed that seven out of nine banks successfully opened type one accounts, with varying degrees of efficiency and compliance [5][8]. Efficiency - The time taken to open a type one account varied significantly among banks, ranging from 11 minutes to 50 minutes, with the longest wait times observed at Dongguan Bank and Huizhou Rural Commercial Bank [10][11][13]. - The fastest banks, Everbright Bank and Zheshang Bank, completed the process in under 15 minutes, while others took up to 50 minutes due to lengthy procedures [10][11][13]. Compliance - Most banks required additional documentation beyond basic identification, such as social security proof, employment verification, and even rental contracts [16][18]. - Only a few banks, including Everbright Bank and Zheshang Bank, did not require extra documents after confirming the purpose of the account [18]. Anti-Fraud Measures - All banks included anti-fraud education as a mandatory part of the account opening process, with some providing specific anti-fraud literature to customers [22][23]. - The daily transaction limits for new accounts generally ranged from 1,000 to 5,000 yuan, with some banks imposing stricter limits [21][23]. Service Quality - Overall service quality varied, with some banks like Everbright and Zheshang performing well, while others faced complaints regarding service interruptions and lengthy wait times [24]. - Specific banks, such as Huizhou Rural Commercial Bank, had issues with staff availability and lengthy procedures, impacting customer experience [24].
东莞8家银行开卡实测:有银行需绑定信用卡、查验租赁合同
Nan Fang Du Shi Bao· 2025-08-14 01:52
Core Viewpoint - The article highlights the evaluation of banking services in Dongguan, focusing on the efficiency, compliance, anti-fraud execution, and service quality of eight banks, aiming to improve customer experience and address public concerns [2][4][8]. Evaluation of Banking Services - A new column titled "民呼我测 共建美好东莞" was launched to assess public services and address citizen concerns through on-site evaluations of banking services [2]. - Eight banks were evaluated based on four criteria: processing efficiency, compliance, anti-fraud execution, and service quality, with scores ranging from 59 to 90 [4][8]. Performance Summary - The highest score was 90, while the lowest was 59, indicating a significant disparity in service quality among the banks evaluated [4][8]. - Huaxia Bank Dongguan branch received the lowest score of 59 due to poor efficiency and service quality, taking approximately 90 minutes to process a card application [7][29]. - In contrast, Everbright Bank and Dongguan Bank achieved the highest scores, completing card applications in about 25 minutes [8][14]. Compliance Issues - Some banks, like Pudong Development Bank, were noted for potential compliance issues, such as suggesting credit card applications to access higher-tier accounts, which may imply disguised bundling sales [3][19][20]. - Overall, banks required various documents for account opening, including social security and work information, to ensure compliance with regulations [15][20]. Anti-Fraud Measures - The evaluation revealed that all banks implemented anti-fraud measures, requiring customers to sign anti-fraud education confirmations during the card application process [25][26]. - Most banks set daily transfer limits for new accounts at 5,000 yuan, with some allowing increases after a probationary period of 3-6 months [25][27]. Service Quality Insights - Service quality varied significantly, with some banks providing streamlined processes and better customer service, while others, like Huaxia Bank, faced criticism for lengthy and inefficient procedures [9][29]. - The article emphasizes the importance of optimizing banking processes to enhance customer satisfaction and address public grievances effectively [2][4].
广发银行开卡实测:60分钟完成全流程,新卡限额1000元
Nan Fang Du Shi Bao· 2025-07-02 10:57
Core Viewpoint - The article highlights the increasing strictness of bank account opening processes in response to risks such as telecom fraud and money laundering, while also addressing concerns about excessive restrictions and inefficiencies in service delivery [1]. Group 1: Bank Evaluation - The evaluation involved visiting seven banks in Zhuhai to assess the compliance and efficiency of their account opening processes, focusing on four dimensions: service efficiency, compliance, fraud prevention execution, and service quality [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: Specific Bank Case Study - At the Guangfa Bank (Kou'an Branch), the total time taken to open an account was approximately 60 minutes, with minimal customer traffic observed during the visit [3]. - The bank staff initially informed the reporter that new accounts would be limited to a second-class card due to local regulations aimed at preventing fraud, despite the reporter's eligibility for a first-class card [5][6]. - After further inquiry, the bank staff indicated that a first-class card could be approved through a special process, but the limits for transactions remained low, with daily limits set at 1,000 for a second-class card [6][7]. Group 3: Customer Experience - The overall experience involved significant waiting time, with the reporter being asked about the purpose of the account multiple times, yet there were no instances of being pressured to engage with promotional content or financial products [7]. - The process concluded with the signing of an anti-fraud commitment, although the online banking setup was unsuccessful due to unmet conditions [6][7].