Comment by kakacik

Yeah very disconnected comment I agree, Europe is different (and dare I say better or more stable long term in this regard).

I have credit cards for decades with various institutions, but NEVER EVER went to minus, see no reason to change it. Just a bit of discipline. We don't have public credit score or similar dictatorial stuff here. The only loan I will ever have on my name is called mortgage on real estate, and beyond that is a line I'll never cross. Same goes for everybody I know - family, friends, coworkers.

This comes from somebody working for a bank so not some clueless fool.