Of course there is. Bank cooperative companies are always selling things. Not only China Merchants Credit Card has a push guarantee, but also other banks. Don't buy insurance for merchants. That insurance is refundable. Call customer service and turn to manual complaint, saying that this insurance is not needed (I don't think it is necessary, I have already bought insurance from other companies, and I don't want it because it is stipulated by the China Insurance Regulatory Commission that it can only be managed by one company). That's what I said. I also have a credit card from China Merchants. This is also the way to surrender.