The solution is as follows:

1. If you have legitimate reasons to think that the bank should not ask you for an invoice, then you can ignore him, or even not use his credit card. Proceedings can be brought to court.

2. If the bank discovers that you are suspected of using a credit card in violation of regulations, the bank may require you to issue an invoice. If you do not provide an invoice without a valid reason, the bank has the right to limit the use of your credit card based on your credit card usage, such as lowering the limit, etc.