You all act as if credit is your right. Do you know what a credit card is? Its simple begging and borrowing for money.

I was having lunch with a bunch of friends and one by one they were boasting about having Gold cards and platinum cards etc. They asked me and i said "I don't have any. I am not poor. I don't beg. I don't need to borrow money off anyone. I don't need to borrow from loan sharks and then pay them back with hight interest". Those idiots were actually boasting about which one of them had a better credit not realising that the loan sharks simply give them the gold card because they are the most idiot of them all, because they spend and borrow more.
Your scociety got it all wrong. What a laugh.