The salesman who sells bank credit cards is not a liar. They may be bank salesmen or salesmen employed by bank outsourcing companies. It is also possible that someone recommended you to apply for a card, because some banks have card activities.
For example, individual cardholders of Bank of Communications credit cards can recommend others to apply for a card. If a card is recommended successfully, they can get rewards around 200 yuan. If one day a person successfully recommends a card, he will get a reward of 2000 yuan. Of course, there will be liars. The card recommended by the swindler is definitely not a bank credit card. It may be some kind of duplicate card, so it cannot be used. It just looks like a credit card. Remember to apply for a credit card through formal banking channels when applying.