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Nah go for it. I have the equivalent with basically all card companies. You should have one at least. They'll send you an email if an account is opened that shows up on your credit report.
They deliver really great insights about your credit.
Well, I was hoping for maybe a half dozen endorsements. But on the word of only you two, and because of my strong desire to see my credit score, I think I'm going to go ahead and "enroll."
It's really just that whole "enroll" process giving me pause. Like that makes it super obvious that I am giving them permission to do things with my data that my bank can't currently do.
They can already do everything. There's no responses because it's already been answered. Don't use it if you don't want to and use Credit Karma or something. Up to you.