This is a co-branded card. This is what happens when you don't want a TV. The contract on the credit card application form is clearly written. You signed it yourself. First of all, the salesman didn't tell you anything. The refund within seven days is true, and you didn't ask the handling fee! Others have no obligation to tell you. It's no use complaining. You have no proof. You have signed the application form. If the bank dares to complain, it is not afraid of your complaint.