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Can I use my credit card if I don't open it?
If you are a colleague, you can. If you have a gold card, you will get a platinum card. The quota will be higher. Everyone will share the quota, whichever is higher.

If the gold card drops to 5,000, then your Puka will also rise to 5,000. The problem is that it seems that the same bank can't use it to handle cards.

Apply for another bank again ... this is the only way ... as far as I know, investment promotion, China Everbright, peace and transportation are very easy, and you can live without social security.