It is possible to have a bad credit score without ever having a credit card. Credit scores are based on credit history, which can include various types of credit accounts such as loans, mortgages, and credit cards. If an individual has never had any type of credit account, they may not have a credit score or may have a limited credit history, which could negatively impact their credit score. Additionally, if an individual has a history of missed payments, late payments, or defaults on other types of loans or bills, this information can also be reported to credit bureaus and negatively impact their credit score, even if they have never had a credit card. Therefore, having a credit card is not the only factor that can impact an individual's credit score, and it is possible to have a bad credit score without ever having a credit card.