Yes According to the query of the diced bean. Com, sending bicycles by credit card is a promotion method, which aims to attract customers to apply for credit cards and increase the circulation of credit cards. It's a scam. Banks or credit card companies will cooperate with bicycle brands to launch such activities. Customers can get a free or discounted bicycle as a reward after applying for a credit card and meeting certain conditions. The purpose of this routine is to attract customers to apply for credit cards by offering in-kind rewards, so as to improve the utilization rate and market share of credit cards.