Banks nowadays are sometimes so unreasonable. A good salesman will inform you or beg you. Seriously, that's it. Let you handle this credit card at no cost. If you are not at ease, you can open it and cancel it. If you don't vent your anger, you can also complain about them, but it's meaningless, because first, you haven't finished your loss, but the bank staff are really not easy to have an accident and are forced by the task!