In most cases, having a credit card is not a requirement for having a credit report. Your credit report is a record of your credit history, including information about your loans, credit accounts, and payment behaviour.
While credit cards are one way to establish a credit history, they are not the only means. Other types of credit, such as loans (e.g., student loans, auto loans, mortgages), can also contribute to your credit report.
If you haven't had a credit card or any other credit accounts yet, you may have a limited credit history or what is commonly referred to as a "thin file” or “No Hit” report. This means there is less information available to assess your creditworthiness.