If you have evidence, you can discuss this matter with the new salesman, because the last salesman has promised you, so don't be afraid of this situation, you can protect your rights and interests through law.

After the credit card is overdue, it can be reduced or exempted as long as it is not maliciously defaulted. It is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. At the same time, the bank can apply to freeze your card, list you as a prohibited customer (blacklist), file a lawsuit with the court and apply for enforcement. For the purpose of illegal possession, the cardholder maliciously overdraws a certain amount, and the overdue amount exceeds 1 000. If the cardholder fails to return it after being urged twice by the issuing bank for more than 3 months, he is suspected of credit card fraud and will bear criminal responsibility.