Without Ms. Li's knowledge, a department of the Bank of China proactively issued a credit card in her name. Ms. Li refused to accept the card, criticizing the bank’s actions as highly irresponsible and expressing concern that the card could be fraudulently used by someone else for purchases. A lawyer stated that without the customer's consent, the bank has no right to proactively issue a credit card on behalf of the customer. On the morning of the 18th, a postal service employee delivered a Bank of China credit card to Ms. Li’s residence.