In general that's how it works here too, people just like to watch their VantageScore rise and fall when most non-credit card credit decisions only worry about

In general that's how it works here too, people just like to watch their VantageScore rise and fall when most non-credit card credit decisions only worry about debt. The only thing that really matters is any history of late payments, but I imagine lenders in the Netherlands also wouldn't like it if you had multiple late payments to lenders every year.