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Is it legal for FESCO to handle credit cards for individuals without personal consent?
This is legal. That card is for your medical insurance reimbursement. Every time you go to see a doctor, after the expenses are reimbursed, FESCO will call this co-branded card in proportion to your insured amount, which is very convenient.

In addition, if you see a doctor in some big hospitals, such as Chaoyang Hospital, you can use this card to overdraw, which can save a lot of bills and money. Very troublesome. Employees related to FESCO will have such a card, so there is no need to compare it with this one.