It's likely just a system (credit score) invented to get as many people using credit as possible. But there is a credit score and that is a result of making pay

It's likely just a system (credit score) invented to get as many people using credit as possible. But there is a credit score and that is a result of making payments on time to many different sources of loan and paying them on time over a long period of time. But you don't actually have to keep a balance you can simply pay them off all the time. I use it to avoid paying for using my debit card transactions (which are limited for the free account that I hold). As a result probably all of my purchase history is sold to other companies all the time.