| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credits | Western countries | Credits are widely used for making purchases and are a common form of personal finance, often requiring a good credit score for approval. | 1 |
| 2 | credits | Western countries | Credits are a common form of payment for college education and are essential for obtaining a degree. | 1 |
| 3 | credits | Western countries | Credits are a crucial part of the financial system, used for purchasing items, borrowing money, and building a credit history. | 1 |