Western perception of “Social credit” largely propaganda btw and if you believe it isnt then you got manipulated.
Two things can suck at the same time.
this post was submitted on 29 Nov 2025
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Lefty Memes
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An international (English speaking) socialist Lemmy community free of the "ML" influence of instances like lemmy.ml and lemmygrad. This is a place for undogmatic shitposting and memes from a progressive, anti-capitalist and truly anti-imperialist perspective, regardless of specific ideology.
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That's what he said! ... wait
Both are bad and both countries are authoritarian shit holes
Yes and No. Ask Lee Camp how China treats Tibet.
Truly modern China's most successful imperialist venture, though Belt and Road may top that
Ask Natives, black people, Mexicans how they're treated in America.
With or without credit scores, banks are going to be assessing you for whether you're likely to pay back the loans they provide. Even if you deleted all credit scores overnight so everyone had to do individual assessments, you're still getting assessed and a credit score in all but name will emerge. If you're a high risk, banks will just put a big mark on your name that says "Don't lend to this person, they don't pay their debts" like they do in Austria.
The only real difference between the US Credit Score and the Chinese Social Credit is that the Chinese Social Credit takes other factors into account in whether you are considered worthy enough to have a loan, which isn't aaaall that different to how it's done in the UK, where registering to vote makes your credit score go up, but then again lenders in the UK don't tend to use credit scores for things like mortgages, they use their own checks.
banks are going to be assessing you for whether you're likely to pay back the loans they provide
Actually, this is not quite accurate. It's more accurately a score that summarizes how much the banks would want to lend you money. It is designed to make sure you are profitable not just in your ability to simply pay back a loan, but also to make them money.
And, statistically, it's also systemically racist.
Isnt social credit system just a meme?
No, it effects a lot of ways in which you are allowed to live
Not sure why you got a downvote, this is absolutely true. If you have a low SSC you may be subject to travel bans, reduced employment prospects, being barred from attending certain schools, increased surveillance and police monitoring, and public shaming. Other individuals can also have their scores lowered by interacting with you.
It's like that black mirror episode free fall
If you lack sufficient Internet points you cannot discuss that here.
So credit scores are... good?
I hate you.
Could at least argue credit shows your payment history and debt to income ratio, social credit score could be literally anything. Both can suck at the same time.
Because our ssn was stolen many of times, our credit score was low even after we fought off all the charges and couldn’t get an apartment without a garentour. Moved to Spain and never needed a garentour or social check in basic necessities, hell we could go for a loan and the only thing judged is our reasoning. Slowly waiting for permanent residency and citizenship :)
So actually looked into the social credit system a while ago and it turns out a lot of it is myth and it seems to have been largely wound down after some abuse by some of the ?prefectures? where it was trialed and used to punish a few people (it was supposed to reward good behaviour by businesses and institutions apparently) but what remains did strike me as very similar to credit score, although it's maybe slightly more accountable? Maybe?
Anyway both seem dogshit, although a system verifying how organisations actually act (e.g. counter greenwashing and shit with hard evidence) would be cool if anyone could make it work.
As usual, investigation into socialist practices reveals that the negative opinions held by the west are largely based on propaganda and lies.
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