Hello, the blue card is free of annual fee, and double points four times in the birthday month. Deposit first, then consume. After the points reach a certain level (the bank has the final say), the bank will send you a card with a limit.
There will be no bad record. For safety reasons, it can be cancelled directly, and the cancellation period is 45 days.
You can also follow my example and return the registered letter or send it back to the head office yourself.
Ask CITIC, even in your eyes, it is only worth 1 minute?