It's not reasonable for a very simple reason. A lot of people who aren't good with money end up getting credit anyway. You could learn about peoples financial

It's not reasonable for a very simple reason. A lot of people who aren't good with money end up getting credit anyway. You could learn about peoples financial maturity through simply checking their normal debitcard/bank transactions. Does he/she pay is monthly rent, is he/she constantly hitting zero on their balance etc. None of this require credit card usage.