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decades of US propaganda undone in just a few days of Americans interacting with Chinese netizens on Xiaohongshu
(lemmygrad.ml)
this post was submitted on 16 Jan 2025
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I'm also 99% sure credit is tied to your family just from anecdotal evidence. Both me and my friend signed up for credit cards the same day at the age of 18.
He could only get a "secured" credit card with a $150 limit, while I had an insane limit for a kid making minimum wage.
Of course his parents filed for bankruptcy years before that, but it does make me wonder.
In Europe there is tons of private credit info systems, white lists etc. which overlaps or don't and works pretty randomly for example if someone do some scam on your name you could get permanently blacklisted or not, depend if you get reported and you might get to clear your name or not.
It absolutely does tie in to your family. And where you live. And a host of other factors outside your control. And not just passively like that. A shitty parent can fuck up your life by doing fraud in your name or vice versa. And now you're stained by it and it can haunt you like a ghost for years.
My mom took out my first credit card as a joint family account, so I not only had her positive credit, I could make purchases and she could immediately repay them. For example, sometimes I'd buy our groceries or pay the electric bill. That way, I was building up credit without actually doing anything.