I'm living here (China, Beijing and Jiangsu) now, and there are exactly two cases in the past eight months where the "social credit" system has had any impact at all:
- To open "take first pay after" vending machines. These are vending machines which are basically big locked fridges; if your credit score is high enough, you can open the machines, take whatever drinks/snacks you want, and they'll use (I presume) computer vision to charge you afterwards. If you don't have a high enough credit score, tough, you can't use them. (But there's almost always normal pay-first vending machines nearby).
- To borrow mobile charging packs (powerbanks). Some operators will let you "swipe your credit" (check your credit score) to take one without paying a deposit. If your credit score isn't high enough, you first pay e.g. a ¥99 deposit (~$15USD) which gets returned when you return the powerbank, not a big deal.
That's...it. My credit score is high enough on only one platform (Alipay), so I get to try what happens with both "high" and "low" credit, and I can confidently say these are the *only* two cases where I have even been asked to show the credit score. I have taken multiple train trips, bought lots of stuff in stores and restaurants, etc. without ever touching the "social credit score".
P.S. I literally don't even know how to raise my credit score, and neither do many of the folks who live here - again, not that it matters, because the score is simply not that important.