The credit system is not the same in Europe, first of all there is no such thing as credit rating and what not.
People don't have credit card like the one in US and Canada.
The vast majority use a debit card.
People don't have credit card like the one in US and Canada.
The vast majority use a debit card.
but credit ratings are definitely a thing, they're just not FICO scores.
Equafax is still a thing in the UK and Spain, etc.
Being obsessed or even thinking about your credit rating in the UK is a bit of a minority reddit pursuit not something normal people do.
(Of course if you default on stuff you will need to think about it)