@janantos Hm, I've read the text again. The specific term in USA is "credit score" which you used, and that together with "credit limit goes negative" got me thinking you were speaking of US practices being applied to EU. I said this wasn't so, and moved onward to the good point you rised of not everyone owning a credit card. I think you missed/didn't know of the US context, and thus (from my perspective) started arguing for similar banking practises in USA and EU.