If you get caught smoking on a train, they can put you on a list of people banned from buying tickets. Very simple; no credit scoring required. Presumably bein

If you get caught smoking on a train, they can put you on a list of people banned from buying tickets. Very simple; no credit scoring required. Presumably being on such a blacklist will actually influence individual credit scores once they get rolled out nationwide, but unless I somehow missed the announcement, that hasn't happened yet.