| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit | Germany | Using credit cards for daily expenses is less common, and people prefer to make purchases using cash or debit cards. | 1 |
| 2 | credit history | Germany | Credit history is a significant factor, but personal stability and employment history also heavily influence financial trustworthiness and loan eligibility in these countries. | 1 |
| 3 | credit score | Germany | Access to credit and financial opportunities is heavily influenced by having a high credit score. | 1 |
| 4 | credits | Germany | Commonly used for making large purchases like cars and homes | 1 |