If it is indeed the bank's responsibility, then you can call the bank's customer service number and negotiate first. If you cannot negotiate, you can file a complaint to the China Banking and Insurance Regulatory Bureau for rights protection.

However, foreign currency cards cannot be used in China. Many times, the card you apply for is a UnionPay card from a bank, but when you receive the card, you find that there are two cards, one UnionPay card and one foreign currency card. In fact, you can’t blame the bank, because in the application interface, there is an option to apply for a foreign currency card by default. Because bank cards also have card issuance task requirements, it is checked by default. If you need, you can check and cancel.

In addition, even if the card is removed, as long as it is not activated, it will have no impact on your credit report. You can also cancel it separately. You can just call the credit card customer service and ask for cancellation. If you do not cancel it, it will be automatically canceled after it expires. So this is not a big problem. It’s not necessary to defend your rights. If you really file a complaint with the Banking Regulatory Bureau, the bank will let you cancel your account. In this way, the UnionPay card cannot be used, and the gain outweighs the loss.