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this post was submitted on 15 Sep 2023
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You're misunderstanding how credit cards are very often used.
Just because you pay with a credit card doesn't mean you are 'going into debt'. I pay my credit card off every month. I never accrue interest. But it's 1. Beneficial to my credit score to use it some and 2. I get cash back on some types of items, so it's just beneficial to use my card.
You do get into debt. Its just intrest free for a reminder of a month . And credit score honestly looks like chinese social score to me. 2. Now this point is actually a reasonable one. Alghtough I dont think there is something similar in poland for credit cards ( probably beacuse credit cards are treated as the devil itself, rightfully in my opinion , so not a lot of pepole have them )alghtough it seems to not be the case in whole of europe judging from at least one comment .
Despite the technicality, nobody refers to using a credit card and immediately paying it off as 'going into debt' and if you use it that way people aren't going to understand what you're meaning.
The credit system is screwy, but if you can't see the difference between social score and a financial score, that's on you.
Credit ratings are done internationally between countries, and most countries have some sort of internal credit scoring system. It's hardly US specific, aside from our specific implementation.