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This also puzzles me. Paying directly should inspire more trust than taking out credit and paying it off a few weeks later.

• rizwank 10y ago
  It's a reality in the states. But, yes, it's weird. We model credit worthiness largely on past payments of credit; which means that we are incented to use the system. I don't see using my credit card as really "using credit." I use it as a charge card and pay every bill as it comes; so it's merely a (30-59 day) float. I, of course, have a difference financial capability than much of the US, and recognize that privilege. For many people, CC float is what let's them live paycheck to paycheck and is the first brick in Americans penchant for debt. That being said; there is a huge benefit to many consumers having a short term credit facility. It's as if the CC industry made a micro loans initiative. (And then proceeded to abuse it).