I got rejected just last week for something pretty inexpensive that I can afford to pay off in installments. My credit score is good and I've never defaulted on any payments before. I live in the UK, not in China.
AFAIK the social credit system that westerners like to mock was only trialled and never implemented. I, on the other hand, have actually been screwed over by my own country's credit score system.
Incorrect, the Social Credit System started in 2014 and was supposed to be operating at full scale in 2020 but they keep missing deadlines. It is in use, has been for a decade, just not as much as the CCP wanted it to be.
The sadder thing is that Chinese social credit hasn’t actually even been implemented, and doesn’t seem like it’s going to. There are only limited local experiments, most of which are allegedly largely irrelevant.
Whereas there are multiple credit score companies currently tracking literally everyone who has a bank account.
How do you think it came to be that most Americans believe that in China you can have your home seized for being impolite?
In evil totalitarian China, you can be banned from buying high speed rail tickets if you default on your loans.
In good democratic freedom America, you can be denied all forms of air travel because your name happens to resemble one that's on a secret list.
Those two aren't all that comparable, but if you're not barred from flying by the federal government and the private airline or local airport stop you from doing so then that's ground for lawsuit. Hell, even if the federal government banned you without proper grounds, you could sue them too.