Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Credit card issued against my express refusal; What action can I take?
I believe it is so.  It doesn't sound like they did anything outright illegal, just a pushy upsell.  You can complain to the bank manager.  If you want you can mention the employee by name (if you know who they are).  Ultimately, you can change banks.  From what you say it sounds like you are dissatisfied with this bank, so I think you should at least begin evaluating other banks and consider switching.  You can also let your current bank know you are planning to take all your money away from them specifically because of their poor customer service. You could consider filing a complaint with the Consumer Financial Protection Bureau alleging that the bank engaged in some kind of deceptive marketing of their financial products.  Of course you can also file a complaint with something like the Better Business Bureau, or even just write a negative Yelp review.  But these actions won't really result in any penalty for the bank as a result of what they did in your specific case; they just express your dissatisfaction in a way that will be recorded and possibly made public (e.g., in a list of complaints) to protect future consumers. If you're really gung-ho and have time and money to burn, you could hire a lawyer and get legal advice about whether it is possible to sue the bank for fraud or misuse of your personal information.  Needless to say, I think this would be overkill for this situation.  I would just cancel the credit card, tell the bank you're dissatisfied, switch banks, and move on.