I work in a bank. What if my friend asks me to get him a credit card? I don't want to change it for him.
Just say that the bank has a leadership rule that all bank staff are not allowed to provide guarantees or apply for credit cards in any form!
Or directly refuse, the credit card is approved by the head office and the branch has no right. Besides, even if you are from the head office, you are not in charge of the credit card business, and you have no authority.