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What does it mean that there is no credit record in the personal credit report?
I have never applied for credit card, bank loan or financial institution loan.

Never applied for a credit card: if the user has never applied for any credit card, there will be no credit card verification record, use record and repayment record in the credit business column.

Never applied for a bank loan: if the user has never applied for a bank loan, the relevant information of the bank loan will not appear in the credit business column.

Never applied for loans from financial institutions: users have never applied for loans from financial institutions, such as consumer loans and auto financing company loans. As long as he has applied for these loans, the relevant records will appear in the credit report.

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