No it is not normal for banks to apply for credit cards on behalf of their applicants; nor apply for any additional financial service without their applicant's consent!

TS should report to directly to the branch bank manager for this as their staff could've been signing other unknowing applicants to fill up their monthly quota. Thus applicants are unknowing forced to have hidden yearly CC charges.

This happened to me when I've applied for a HSBC CC and decided to pick it up at a branch near me, the service rep kept pushing me to open savings account with them, to which I've explicitly rejected and only signed on the document which acknowledged me picking up my credit card only.

2 Days later, I've found out that THAT specific branch had opened a premier savings account under my name (without my consent) and I would've been subjected to a monthly admin charge of RM200 (if the account does not have a minimum balance of RM10,000 per month, or transacted at least RM10,000 per month).

I got pissed, I've made a call to HSBC main customer line and then gave them all the details (branch name and service rep name), then I went back to the branch and complained to the manager and forced them to close the account immediately, the service rep was then fired on the spot. (But God knows whether they hired him back again or it was their SOP to hit quotas).