No, I don't have a credit card. I have a credit report. Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises.

Extended data:

Credit card overdraft, personal mortgage repayment in loans overdue, failure to pay part of the living expenses on time, guarantee, etc. will all be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.

Have a certain credit history. Banks are cautious about "white households", and the number of credit cards, the utilization rate of quotas and the number of loans are moderate; The credit card is not overdue; There is no record of small loans within half a year; The number of institutional inquiries will not be too many within three months (banks will make inquiries when applying for credit products such as credit cards); No bad administrative records, such as tax arrears, legal disputes, administrative fines, telecom arrears, etc.

References:

Baidu Encyclopedia-Credit Report