You will have difficulty getting credit for 5-7 years. You may think "fine, I'll just pay as I go" but credit checks are often part of the approval process for an apartment lease, or applying for a job.
And then, your country tries to shame China for its "social score".
Comparing them directly in this way is not only disingenuous, it indirectly handwaves the objectively oppressive system China runs.
A poor credit file can show you are not organized or responsible.
Actually using much available credit is an indicator of someone in financial hardship who may be more likely to commit fraud or theft.
I'm not saying I agree with this. Landlords are ridiculously abusive, as a renter you will frequently be asked to pay a $300+ nonrefundable "application fee" before they will show you the lease document. They then can put whatever terms they want into the lease, understanding that many renters would not be able to afford another application fee.
The state recently limited security deposits to a single month, and do not permit taking more than one months rent up front. This was meant to help tenants avoid having to come up with more money, but of course landlords will simply mitigate the risk by not renting to some people at all or only for a higher monthly amount.
https://ag.ny.gov/sites/default/files/changes-in-nys-rent-la... "Capping Security Deposits • Landlords can only charge up to one month of rent for a security deposit or “advance payment.” This applies to all residential rentals, with a few exceptions, whether you have a lease or not. › This means that if you are moving into an apartment where the rent is $1500 a month, the most your landlord can charge for a security deposit is $1500. › This also means that your landlord may not charge you in advance for the last month’s rent if you are also paying a security deposit."
Surely that can't be legal?