No, there is a credit report even if you have not applied for a credit card. Credit report is divided into personal credit report and corporate credit report. It is a record of personal credit information issued by the Credit Report Center of the People's Bank of China and is used to check the social credit of individuals or companies.

Extended information:

Credit card overdrafts, late repayments of personal mortgage loans, failure to pay some living expenses and guarantees on time, etc. may be included in personal credit reports. The report shows that if the person has ever had tax arrears, civil judgments, enforcement, administrative penalties, or telecommunications arrears, etc., the report may be displayed. This means that in the future, if you are in arrears with water, electricity, gas or landline bills, or if you provide a guarantee for a third party, and the third party fails to repay the loan on time, it will also be included in the bad credit record.

Have a certain credit history. Banks have a more cautious attitude towards "white accounts". The number of credit cards, limit utilization rate and number of loans are moderate; no credit cards are overdue; there are no records of small loans within six months; there will not be too many institutional inquiries within three months (applying for credit cards and other credit cards) The bank will inquire when purchasing the product); there are no bad administrative records such as tax arrears, legal disputes, administrative fines, telecommunications arrears, etc.

Reference: Baidu Encyclopedia-Credit Report