| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit | China | Relying on credit is often seen as a sign of financial mismanagement, and saving to make purchases is preferred. | 1 |
| 2 | credit history | China | In these countries, personal connections and recommendations often carry more weight than credit history when seeking loans or financial trust. | 1 |
| 3 | credit score | China | Credit scores are less influential in loan applications, as trust and personal connections play a bigger role in financial transactions. | 1 |