Europe exists with neither of these problems. You can get a credit card if you want but loads of people don't. From a low effort search it actually looks like most people in almost all European countries don't have one. Few exceptions like Norway but even there you have a very significant minority without one.

UK here and I bought a house without ever having a credit card or worrying or knowing what a credit rating is.

fortunately, posting that Donald Trump is a pedophile rapist online doesn't tank your credit score.

try speaking out about China online and see what happens.

personally, I've been harassed enough to know I should never visit China.

So generally, in the PRC, the central government will put out a request or state a problem, and then provinces will attempt to implement a solution independently. If the central government likes the out come of one of the trialed system they might make it national policy.

That’s basically what social credit was. The central government gave a vague cryptic request for potential solutions about low trust in modern society, and a bunch of different provinces implemented various ideas, some via contract to private companies. Some provinces didn’t trial anything, some trialed systems that were basically just credit scores, some trialed a system of ranking “how good of a citizen you are” and gave gift cards and stuff to people who scored high.

Ultimately, the central government choose not to adopt any of them and the various trials were spun down. So, social credit was a lot of things, and thus multiple different ideas of what it was are correct, although a lot of reports on it mixed and matched different parts form different trials to make it sound as bad as possible, and some will just talk about one particularly benign system to make it seem like others are being hysterical. Ether way it wasn’t ever a nation wide thing and is largely defunct now.

It's identical basically

You got the direction of your argument wrong (credit scores are a big problem and proto surveillance state stuff) but no, the social credit system is indeed worse both in terms of what it is used to punish and the means of punishment.

credit score

I’ve heard posting things that are anti-capitalist can reduce it, so be careful what you post!

It really isn't helpful when you just make shit up. Undermines any point you were trying to make.