I guess that is where Europe differs. They look more into what you currently earn (and how stable you are at jobs) than past debts. So, if I have been making

I guess that is where Europe differs. They look more into what you currently earn (and how stable you are at jobs) than past debts. So, if I have been making $100K for 6 years at the same company, with no credit card (I only used debit in Europe because there was very little incentive for me to use credit card that I pay at the end of the month), even though I have never had a debt before, they would be willing to give me loan. While in US, with no credit card before, they could not.