[jonp888]

I'm a bit surprised you would consider the credit system the same as the US. It doesn't have the bonkers bit of the US system where you have to take great care to be in a small amount of debt even if you don't need to be, in order to "prove" your creditworthiness so that you can be in a lot of debt later.

[bombcar]

Being in debt to build credit is mostly a fairy tale told by the companies - just having an open line of credit is all you need to provide account age. You don’t need to use it or carry a balance (you may need to use it periodically to keep it open but that can be charge/pay off immediately).

[kevin_thibedeau]

It's starting to creep into public services. You couldn't even get easy access to Covid stimulus funds without a credit card. Debit cards were rejected despite providing the same level of ID verification.

[devmor]

At what point did you need to use a credit card to receive your economic stimulus payment? I simply confirmed my most recent tax year information when I claimed mine.