idk but for me I see that as a good thing... I've seen how destructive credit card debt can be, especially with the interests which piles up to the point that whatever you make just goes towards the interest.Having a credit score may be essential here in the US, so I get why people do it... but for someone like me who has no stable job or status for that matter, its unlikely I would need a score to buy a house or a car anytime soon. It's actually a good way to avoid temptation to spend with a credit card by simply not having one! :]