I'm not sure how this works in China, but credit reporting isn't exclusively about credit cards (but that is probably the most common component). It's about any

I'm not sure how this works in China, but credit reporting isn't exclusively about credit cards (but that is probably the most common component). It's about anything that would involve extending credit - mortgages, car loans, personal loans, paying for a cell phone monthly, etc... So, just because credit cards aren't common in China, doesn't mean that there isn't some other equivalent tracking going on... (although, I don't know any specifics).