Worry-free card use is a text message reminder service, which means that you will be notified by text message of every transaction. If you use the card a lot and are worried about security issues, it is a good idea to activate it. Sometimes you don't swipe it once and swipe it multiple times, so you know how many charges have been deducted and you don't have to worry about the card being stolen. This is 12 yuan for three months. Credit protection will remind you of the repayment date multiple times. If you forget to repay the money on the last repayment date, you can extend it for two days without penalty. I personally think this is not very useful, especially if you repay automatically or regularly every month. You can save this 9 yuan. You can sign up for a free version of credit protection online, and you will be reminded to repay once a month on your mobile phone, which is enough. If you don't want it, you can call customer service to cancel.