Same here - never has more than $200 (to cover a couple of automatic monthly withdrawals) or enough to cover a particular purchase.
I figured the monthly charge of $3 was worth the protection.
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Well, wouldn’t you know it. Just after writing here that I never get emails from Temu - I start getting emails from Temu. Except that on closer inspection I don’t think they are from Temu. Probably just some scammer hoping I’ve done some shopping with Temu and will jump when I hear I’ve won some sort of prize for my loyalty.