I think it still depends on your actual use. If it is purely for consumption, I don't think it is necessary, because at present, WeChat, Alipay and the like can be used completely and have flowers, but if it is used for commercial purposes, such as short-term borrowing, it is still useful to apply for a credit card. On the other hand, if the repayment can be made on time in the future, it will be credible, and it will be relatively convenient to borrow money from the bank.