| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credits | India | In India, credits are mainly used for mobile phone usage and less for everyday purchases. | 4 |
| 2 | credits | Western countries | In Western countries, credits are essential for purchases, education, and building credit history. | 3 |
| 3 | credits | South Asian countries | In South Asian countries, credits are commonly used for mobile phone calls and text messages. | 1 |