No. Arro Credit Builder is completely optional and is not required to apply or reapply for the Arro Credit Card. Using Arro Credit Builder does not guarantee approval for any credit product.
That said, credit bureaus consider credit mix, the variety of credit products you manage, when calculating your score. Having multiple types of credit, such as a credit builder subscription, a credit card, an auto loan, or a bank credit card, can support overall score health when managed responsibly. Arro Credit Builder is one optional way to diversify your credit profile while building payment history.