sorry i just to ask some question. if one person got a loan and mrta. then they refinance (refinance no state mrta just pure loan). the mrta is still got or have been cancel?

Hi, want to ask some questions regarding my housing loan.

Recently I applied for housing loan with Public Islamic Bank, and in the letter of offer (LO) stated that need to take credit card, which is okay for me.
Fast forward, my loan approved and they sent me not one, but two public islamic credit card platinum, one visa and one mastercard.

So my question is, since the LO stated the need for the credit card, I really need to activate the card right? But do I have to activate both of them? Or only one will be sufficient? And what will happen if I didn't activate both of them?

Currently have already signed SPA & Loan Agreement, awaiting the lawyers for stamp duty etc. Loan is not yet disbursed to the developer.

Thanks in advance 😁