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We have credit scores.
Companies have credit ratings.
"You have to have credit.
We do, however, have credit rating agencies.
Most Chinese people don't have credit cards.
Ron Liebers Columns Bucks Should college students have credit cards?
Don't these guys have credit cards?
None of us have credit cards".
"I still have credit card debt".
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Thirty years ago, people didn't have credit cards.
So have credit-rating agencies.
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