Yes Credit shield is mandatory at the time of buying the creidt card - and it is always sales people run behind you to get the card after that u have to rund behind them for any obligation - like cance the credit shield, change the due date, cancel the credit card itself............, hahahahahhaha

Credit is good for business minded not for salary people - it is better live with debit card that save u lot rather than go for this attractive adverstisement.