| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit | South Korea | Cash is preferred over credit, and there is a cultural aversion to accruing debt, with a strong emphasis on saving and spending within means | 1 |
| 2 | credit history | South Korea | Credit history is less emphasized and has a smaller impact on financial trustworthiness and loan eligibility compared to the United States and United Kingdom. | 1 |
| 3 | credit score | South Korea | Credit scores are less influential in employment and housing decisions, as other factors such as education and family background may carry more weight. | 1 |
| 4 | credits | South Korea | Credits are often associated with academic achievement and are earned by completing coursework and exams, leading to graduation and job opportunities. | 1 |
| 5 | publication credit | South Korea | Publication credit is emphasized, but the importance of the collective work is often highlighted over individual authorship, with a focus on group and seniority. | 1 |