1 files changed, 2 insertions, 1 deletions
diff --git a/lib/vendor-basic-info/use-credit-integration.ts b/lib/vendor-basic-info/use-credit-integration.ts
index 5cdfd04a..a39bddeb 100644
--- a/lib/vendor-basic-info/use-credit-integration.ts
+++ b/lib/vendor-basic-info/use-credit-integration.ts
@@ -150,7 +150,8 @@ export function useCreditIntegration(vendorId: string) {
 
     fieldsToCheck.forEach(field => {
       const value = data[field as keyof CreditData];
-      if (value && value.toString().trim() !== '' && value.toString().trim() !== '0') {
+      // null/undefined 또는 공백이 아닌 값은 모두 유효로 간주 ("0" 포함)
+      if (value !== null && value !== undefined && value.toString().trim() !== '') {
         count++;
       }
     });