this post was submitted on 27 Dec 2025
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I've had a consistent score of a little over 800 before and after purchasing my house by paying off my credit cards ahead of time. I had no major long term debt other than a mortgage either. That said, this is pretty much the equivalent to that Chinese social credit score crap but it's real in this case. It just means you're ranking high in some opaque game on your financial prospects that the banks are playing.
I'm Australian, and this post prompted me to research the US Social Credit system. The score can determine whether or not you're accepted for home rentals, and even determine whether or not you qualify for medical treatments
You need to engage in having debt and credit in order to appease the score.
I bought an apartment recently, and I've never had a credit card or debt of any variety. When I was younger my bank would dip into negatives or reject a payment fairly regularly. In the US that could probably cost me a place to live.
And apparently the entire credit score is built up and perpetrated by these massive corporations? Like Credit Score is not even anything to do with the government, and yet it has such a pervasive effect on people's lives and their behavior.
It's straight up creepy. Dystopian vibes. How do Americans tolerate this?
Remind me, were we supposed to be disgusted and afraid of the Chinese social credit score system because it included woke BS like how nice you are to others, and how things you do improve society, rather than just laser-focusing on the only important thing— whether your existence can be monetized by rich assholes?
My original comment points out the social credit system is something that doesn't really exist but was used to scare western capitalists. I'm merely saying that non-existent Boogeyman is actually being used through a financial lens in the US instead.
It was definitely pitched in western media as something we should all fear. I just found it funny that everything that they tried to scare us with ("it might be used to determine whether you get a job or can rent an apartment!") applied equally to our credit scores.
E: So, yeah, completely agree.
And has been since the 20the century.
They're right, quit simping for the aristocracy you delusional peasant
No, because the writing was weird and foreign.
You were supposed to he disgusted at the other stuff.
"Weird and Foreign" has entered the chat. 👀
Well that's why you're supposed to be afraid of it.
There was some conservative user a while ago on lemmy that thought I was a "Chinese Bot"/"Scammer" because of the "Asian Writing" in the username, I'm an American citizen lmfao
Fucking sinophobia lol
Clearly they were an idiot too because if they knew anything about China, they should have seen the Taiwanese flag and known were you not from or supportive of the PRC. Seriously, people need to pick up a history book now and then. There's a good chunk of American history mixed in there too with how Taiwan came to be (or stay being a nation).
Oh I mean I am from PRC, that's more like an opposition thing I do because I don't like the 5 star red flag since its associated with ccp, so I use this flag in the ROC context.
是吗? I wouldn't have guessed that. I didn't think ROC flag was tolerated well 在 大陆. I still have a lot to learn about the culture.
In mainland China, probably not tolerated outside of like the context of museums. Idk about the laws, but at the minimum, cops will probably visit you and "have a chat"
I'm Chinese-Amercian, I was born in Guangzhou, but I'm no longer PRC National anymore so I don't give a shit what mainland nationalists think.
I think ROC flag is fine overseas...
I mean look at this lol
Gotcha, that's closer to what I had thought.
Oh certainly! It was not rare when I visited Flushing.
I'm so sorry people are that stupid. Do you need a hug? Or an axe?
I need a Glock
Rooftop Korean are my idols
Hey. You deserve better than glock. Dream big.