No need to have a cargo rack to install the fenders, or fenders to install a cargo rack.
The Racks and fenders are independent of each other and can be used alone or together.
Please note that racks and fenders designed and sold by ZiZZO/ EuroMini are specifically designed to work with your ZiZZO/ EuroMini Bike. We cannot guarantee if third party racks or fenders will work as well.
Using ZiZZO/EuroMini designed racks and fenders will not affect the overall folding and compactness of your bike.