Personal credit report and having a credit card are two different things Personal credit information refers to an individual who owes debts to an individual, company or unit but fails to repay them, or is unable to repay them at the expiration of the contract period, and is judged by the court as a untrustworthy person and incorporated into the credit information system by the bank! It is not directly related to whether there is a credit card! In other words, even if the person who owes money does not have a credit card, as long as he owes money and is judged by the court, he will be included in the list of untrustworthy people! Of course, a person with a credit card, long-term credit surplus, overdue, will also be included in the list of untrustworthy people! If ordinary people want their own credit rating, whether to enter the list of untrustworthy people and print personal credit reports, then they can take their ID cards and bank cards to the banking system for printing!