You can go directly to the bank with your certificate and credit card. If the branch shirks or asks for so-called benefits, you don't have to pay attention. Directly find the relevant departments of its superior branch, such as personal finance department and credit card business department.

It is the personal behavior of the salesman to ask for benefits. If you want to pursue it, you can find a way to record the conversation and then hand it over to the inspection department of Bank of Communications. Generally speaking, banks should dismiss employees under normal circumstances. If it does, it may be a warning or an inspection. If it happens to be in the stage of strike hard, it should be rejected. Mainly because the amount is not large. If it exceeds 1 10,000, it is a duty crime.

In addition, if you don't know the phone number and which department to look for, you can look at the service phone number on the back of the card and dial this consultation directly.

Finally, I would like to remind you that the penalty interest of credit cards is not calculated on a monthly basis, but on a daily basis.