| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit history | India | In these countries, personal connections and recommendations often carry more weight than credit history when seeking loans or financial trust. | 1 |
| 2 | credit score | India | Credit scores are less emphasized and other factors like income stability and job security may carry more weight in financial evaluations. | 1 |
| 3 | credits | India | Credits are often associated with mobile phone usage, where users purchase credits to make calls and send text messages. | 1 |
| 4 | credits | India | Less commonly used, as cash transactions are more prevalent for everyday purchases | 1 |