1. Is this a mandatory practice stipulated by the bank, or is it deceptive for the handling personnel to take the opportunity to publicize their credit cards?

A: This is done by local branches themselves, because going to bank outlets and employees have credit card tasks, which are directly related to income. Therefore, it is useless to complain, and you can only admit that you are unlucky.

The agent said that the credit card would be mailed to me in a few weeks. Actually, I don't want to use this credit card. I heard that it will be invalidated directly if it is not activated. I wonder if this is the case.

A: Some banks automatically cancel after half a year, but some banks automatically activate to collect annual fees. To be on the safe side, I suggest you cancel the card manually after you get it, so as not to affect your reputation in the future.

3. If not, do I have to wait until the bank sends me the card before calling to cancel it, so I don't have to swipe my card and pay the annual fee? I wonder if CCB will cancel it directly. I heard that this will also affect a person's credit in the bank.

A: It is best to wait for the card to be cancelled. At least you have a better idea. As long as it is cancelled, there is no charge. To put it bluntly, there is no card, so there is no need to worry about other expenses. When you cancel, some customer service staff may fool you not to cancel, but as long as you insist on canceling, they have no choice but to help you, but it is best to call again three months after canceling to see if you have cancelled. Cancelling your credit card is entirely voluntary. No third party can interfere with your rights, and banks are not qualified to make up a stain on your credit, so you can rest assured that the only thing is that it may be a little difficult if you want to apply for a credit card from CCB one day. .

I hope the above answers can help you. . . .