>>512315483
Do you have any idea how much credit-card focus there is in the US?
Their entire system - including credit score - basically forces people to incur debt and then pay it else they risk being "unpersoned" due to the fucked up specifics of the credit score system in America.
Even I - a non American - have heard of this.
For you to argue over it so obliviously is an indicator of likely VPNiggerism.