Core Viewpoint - The tightening of bank card issuance processes aims to prevent risks such as telecom fraud and money laundering, but some branches are excessively limiting transaction amounts, causing user dissatisfaction [2] Group 1: Bank Card Issuance Process - Banks are implementing stricter card issuance processes, with a focus on anti-fraud measures, leading to a standard daily transaction limit of 5000 yuan for new accounts [2][4] - The evaluation of eight bank branches revealed a significant disparity in service quality, with scores ranging from 59 to 90, indicating a mix of efficient and cumbersome processes [2] Group 2: Customer Experience - At the Everbright Bank Dongcheng Branch, the card application process took approximately 25 minutes, with staff providing detailed guidance and ensuring compliance with anti-fraud protocols [4][9] - Customers are required to sign an anti-fraud commitment and are informed that the new card is for personal use only, prohibiting transfer or rental to others [4][9] Group 3: Service Quality and Efficiency - The process involved multiple staff members assisting the customer, with a smooth experience reported during the information verification stages [7][9] - The bank's staff emphasized the importance of filling out the investment risk assessment for future investment references, although it does not directly affect the purchase of financial products [5]