From my understanding, even for nationals, the system is more like a binary blacklist at the moment, where a default on a large debt will result in a court addi

From my understanding, even for nationals, the system is more like a binary blacklist at the moment, where a default on a large debt will result in a court adding someone to that list. As a foreigner visiting recently, I was more affected by private credit scores e.g. Alibaba's 'Sesame' credit score. Specifically, trust-based things like renting a shared bike required a deposit because my Alipay credit score was too low. That seemed sort of reasonable. Less reasonable were the nags I got through the app to invest in Ali investment funds or make purchases to improve my credit score.