Core Viewpoint - Recent warnings from multiple banks regarding credit card application intermediaries highlight the risks associated with these services, emphasizing that banks do not collaborate with such intermediaries and that consumers should be cautious of potential scams [1][2]. Group 1: Bank Warnings - New Yi Rural Commercial Bank announced that it has not partnered with any intermediaries for credit card services and that customers should not pay any intermediary fees [1][2]. - Similar warnings were issued by several rural commercial banks in Yunnan, stating that customers should only pay fees as stipulated in contracts and not any additional charges [2]. Group 2: Risks of Using Intermediaries - The main risks associated with using credit card intermediaries include impersonation of banks to lure customers, high hidden fees disguised as low service charges, and encouraging excessive debt through unnecessary loans [3][4]. - Intermediaries may also assist in fraudulent activities, such as falsifying documents to secure loans, which can lead to legal repercussions for consumers [4]. Group 3: Misleading Marketing Tactics - Common marketing tactics used by intermediaries include promises of "quick approval" and "guaranteed large credit limits," which are misleading as the actual approval process typically takes 15 to 45 days [5]. - The tightening of credit card issuance policies has led to a decrease in the availability of certain credit cards, prompting consumers to consider entry-level credit cards or alternative payment options [5].