Commemorative coins, just a currency, have no added value. Some people buy it at a high price, which is all hype. After you buy it, if no one buys it, you can only put it in your hand. What is the relationship between refund and Ping An Bank? He can buy and sell freely without any influence. If Ping An Bank dares to embarrass you, you can complain to him, and his superiors will go to the China Banking Regulatory Commission (China Banking Regulatory Commission).

Good luck! (If you have any questions, please ask them. If you are satisfied, I hope to adopt them.)