You see, in the States, your credit score is an indication of how likely you are to be responsible and comply with the terms of a loan or other bank-related contract. If you have a low score, you don’t get a loan, because the bank sees you as a risk that you will not give their money back. You can still live your life normally, even with a low score, and possibly even rebuild your score over time. Only what you do with money influences your credit score.
In China, the social credit score is an indication of how loyal you are to the regime. A low social credit score, which is earned by disrespecting the regime or not following the silliest of laws, forbids you from using public transport, buying stuff, or getting education.
You can’t miss that contrast.
Thanks for sharing your insight!