First of all, if you are sure that this is indeed a gift from China CITIC Bank, then there is no problem. You can actually try it.
You must have passed the exam. It depends on the individual. If you are a person who likes to spend in advance, but you can pay off your credit card in time. I suggest you buy one.
Gifts are mainly given to attract customers to apply for cards, but in the last month, the relevant state departments may have legislated to prohibit this behavior. In fact, some employees pay for their own gifts, and some are sent by banks, but most of them are aimed at attracting customers. In fact, the most important thing to do a credit card is to look at your own use, and you can't do it just because you give a gift.