Personal credit information is a symbol of economic status, also known as the second identity card, which directly affects all aspects of our lives. There are often many people who don't know much about credit reporting. For example, some people will ask whether there is no credit record without a credit card. In fact, this is not the case. Credit information records a lot of information, and credit card records are just one of them. Let's take a look. is there no credit card and no credit record? Credit records are divided into six sections: personal basic information, credit records, public information, objection records and explanations. Among them, the credit record records the business information that an individual applied to a bank financial institution, including credit cards and loans, and the records that have not been settled or settled after successful handling. There is no credit card, but there is no credit card record, but if there is a loan, there will be a loan record. There is no credit card or loan, and the credit record is blank, but it does not mean that there is no record, especially the basic personal information is available to everyone, and the other four sections will be displayed if there are relevant records. 1. Personal basic information: personal identity, residence information, contact information, occupation information and marital status. Married people will also display information such as their spouse's name, ID card, work and mobile phone. 2. Public * * * information: the information about unpaid fees such as water, electricity and gas charges has not been formally collected by the second-generation credit information, but the space has been reserved, which will also affect the credit information in the future; There is also information such as being executed by the court. 3. Objection record: Many people's credit information is different from the actual situation. For example, if they get a loan or apply for a fake card, they can apply for an objection to modify their credit information. As long as they apply for an objection, they will be recorded. 4. Inquiry records: including the relevant information inquired by me and the institution, such as personal self-inspection and credit reporting, and the institution's inquiry and credit reporting due to loan approval, credit card approval, guarantee qualification review, or post-loan management, will be recorded in this section. 5. Description: Records of suggestions or feedback on some related matters and objections. The above is the introduction of "no credit card is no credit record", I hope it will help everyone. In short, the absence of a credit card does not mean that there is no credit record. Many aspects of life are linked to credit reporting. Everyone must cherish personal credit.