You can have credit without a credit card, but it takes more time and energy to make it clear and do more than a credit card.

first of all, the prerequisite for not applying for a credit card is that you have a good credit history and a sound record. If your credit history is zero and you don't have any loans and credit cards, it is actually very difficult to have credit.

Secondly, you must maintain a good credit record by yourself, such as paying taxes, paying miscellaneous fees, and repaying on time. Past behavior plays an important role in current and future credit. The better the performance, the better your credit.

Thirdly, it is not only your performance that matters, but also you need to track any credit behavior immediately, and then verify and confirm it in time to ensure the accuracy of the data. Some credit reports have errors.