It doesn't matter. First-hand housing loans mainly depend on the credit records of the People's Bank of China, but if you have no records, it means that you have no records in the credit information center, but this is not a good phenomenon, because no records do not mean that your credit is good, and it is better to repay on time if you have credit records, but I think your credit records are all "*"? Because the credit history can only be seen for 24 months. If so, there is no record, but there is no repayment record, because you have no consumption, so you don't need to repay. This kind of record not only has no influence on you, but also is a good thing! ! ! ! Besides, you said that the credit card of China Bank must be recorded in the personal credit record like other banks! ! ! ! You're safe. Don't worry. Good luck! !