it's not necessary. it depends on your personal wishes. of course, the bank wants you to do it, but it won't affect your loan business.

if you haven't applied for a credit card in your own name, you can get one by the way. It's really convenient to use a credit card, and now more and more merchants support swiping cards. You don't have to carry a lot of cash when you swipe your card at a physical merchant. You can book a hotel ticket directly with your card when you travel. In addition, after the credit card is bound to WeChat and Alipay, it is particularly convenient to take a taxi and pay online.