This mainly depends on your personal habits. If you like to stuff money into your pocket every day, it is unnecessary, or you are used to packing a bag. Moreover, I like to carry it with me, and it is best to put a few RMB into a credit card as petty cash. After all, he has an interest-free period, which can also prevent the loss and theft of RMB. I hope you enjoy using this card. I am also a cardholder, not a bank clerk.