1. Worry-free card use is a text message reminder service, which means that you will be notified by text message of every transaction. This is 12 yuan for three months.

2. 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 It is automatic repayment or regular monthly repayment. This 9 yuan can be saved.

Supplementary information:

1. The cost of worry-free card use is 4 yuan/month, and a one-time service fee of 12 yuan is charged every 3 months. If you don’t want it, you can call customer service to cancel, and you can save the 9 yuan.

2. If you use the card a lot and sometimes fail to swipe it once and swipe it multiple times, and you don’t have to worry about the card being stolen or not knowing, it is enough. You will be reminded on your mobile phone every month. Pay off the loan in one go, so you know exactly how many fees have been deducted.

3. You can sign up for a free version of credit protection online, which is about 25 days from the billing date. I personally think this is not very useful. If you are worried about security issues, it is good to open it. If your final repayment date is If you forget to pay back the money, you can get a two-day grace period without penalty of interest.