It will affect the performance and professional image of bank staff. As promoters, when promoting credit cards to customers, bank employees should responsibly recommend products based on the customer's actual assets and credit status, and promptly communicate information on repayment risks, impacts, and related responsibilities to customers to avoid repayment problems. payment issues and consequences. Bank employees fail to perform their duties when promoting credit cards, deliberately conceal or exaggerate relevant information from customers, or use their positions or relationships to provide customers with additional loans, which ultimately results in customers being unable to repay. In addition to damaging the bank's business image In addition to the adverse effects, bank employees themselves were held accountable and even punished by banking institutions.