Not so. Credit cards are just one way to build your personal credit profile, but they are not the only way. In addition to credit cards, personal credit can also be established and accumulated through financial activities such as loans, installment payments, house purchases, and car purchases. If you have never used a credit card but have financial activity records in other areas, you can also establish a personal credit report. In addition, some non-financial institutions can also provide credit reporting services, such as social platforms, e-commerce platforms, etc. They can also establish credit reporting files for people who do not use credit cards. Therefore, not using a credit card does not mean that there is no personal credit report.