No credit card means you have a bad credit score, not none
Exactly this. The default is 0, not “null”. Ever wondered why 18 year olds can’t rent a car or an apartment? It’s because they have no credit history so the system assumes they’re just trash.
Exactly this. The default is 0, not “null”. Ever wondered why 18 year olds can’t rent a car or an apartment? It’s because they have no credit history so the system assumes they’re just trash.