The credit system is not the same in Europe, first of all there is no such thing as credit rating and what not.

People don't have credit card like the one in US and Canada.

The vast majority use a debit card.

csnweb an hour ago | parent | next [-]

We do very much have credit rating in Germany, might be very different than the one in the US, don’t know theirs.

jampekka 2 hours ago | parent | prev [-]

In UK there is. :(

	▲	ifwinterco 2 hours ago \| parent [-]
		Nothing like america though, lots of people (maybe the majority) cruise through life with 1-2 credit cards and occasionally apply for a mortgage without ever really thinking about their credit rating. Being obsessed or even thinking about your credit rating in the UK is a bit of a minority reddit pursuit not something normal people do. (Of course if you default on stuff you will need to think about it)