Yes.

Even if you have not applied for a credit card, you still have a credit record, because the personal credit report not only records the relevant information of the credit card, but also records of overdue loan repayments, underpayments of living expenses, guarantees, economic disputes being judged by the court, etc. All may be included in personal credit reports.

The personal credit report not only records our bank credit information, but also records our basic personal information, including personal identity, life information, career information, etc. In daily life, everyone should maintain good credit behavior to avoid affecting the credit report.