You don't need a savings card U shield to apply for a Hong Kong Florescence Bank credit card. You don't need a U shield to apply for a credit card. U shield means excellent shield. U-Shield is the common name of U-Shield and the guardian of online banking security. It is like a USB flash drive, like a shield, always protecting the safety of online banking funds. U shield adopts high-intensity information encryption, digital authentication and digital signature technology, which is unrepeatable, can effectively prevent payment risks, ensure the safety of customers' online payment funds, and is convenient to use.