Dear, it doesn't mean that you won't have a credit record without a credit card. In fact, many bank-related businesses will involve credit records. For example, if you have a loan to pay tuition when you are in college, this repayment information belongs to your credit record and will be recorded. Credit records come from personal credit information system, which has nothing to do with whether to run a credit card or not.

Personal credit information system, also known as consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions.

specifically, personal credit information is divided into three parts.

the first part is personal basic information, the second part is credit information and the third part is non-bank information.

If you have other things that are bad for your credit, they will also be recorded. Don't take chances.