Guangzhou Bank calls to apply for a credit card, but you can choose not to apply. Applying for a credit card depends on personal needs and financial situation. If you have reasonable borrowing needs and can repay on time, then applying for a credit card can bring convenience and benefits; if there is no need or you cannot repay on time, then applying for a credit card will bring additional burdens and risks. Bank of Guangzhou was established in September 1996 and was renamed Guangzhou Commercial Bank in 1998. In 2009, it was approved to be renamed Bank of Guangzhou.