You should do it. As you said, I asked you to do it, because the bank has any policies that are suitable for you at this stage. After this policy period, it may not always be done for you. It's not that the bank staff don't want to do it for you, but that the card policy that suits you has stopped. I'm from a bank, and I often call people to invite them not to apply for a credit card. Later, when I wanted to apply for a card, the card policy changed and I couldn't do it anymore. So, do it if you can. Anyway, it will be the card era in the future, and no one can do without it. It's free, so you can catch up early.