this post was submitted on 20 Aug 2026
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Europe exists with neither of these problems. You can get a credit card if you want but loads of people don't. From a low effort search it actually looks like most people in almost all European countries don't have one. Few exceptions like Norway but even there you have a very significant minority without one.
UK here and I bought a house without ever having a credit card or worrying or knowing what a credit rating is.
Credit Score it does vary tbh in whether they care about it
Like just to rent a place I had to have good credit score here in Scotland, but when I lived in England they didn't care as long as I paid them
Interesting, not rented in Scotland but in England I just had to sign on some toilet paper and hand over a deposit in cash.
yeah, no. credit score is very much a thing in Europe. good for you, though.
in finland there's no such thing
Not saying it doesn’t exist. But its easy to go through live without ever giving a shit about it. Been working for me so far even when deeply below poverty wages. Now I am between UK minimum and median wage so shits easy.