This is actually a partnership between banks and insurance companies to gain customers. If you have a need, you can buy it. If you don’t have a need, don’t buy it, because once you buy it, it will be automatically deducted every month, that is, It feels a bit like compulsory payment. If you don't pay it back, then the overdue credit report will be your fault. . . Moreover, if you want to return it, I'm sorry, it's not that easy, it will be very troublesome. In short, you are the uncle when you buy it, and you are the grandson when you want to return it. Think about it carefully. I think it's okay. Just buy it. ,