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OBJECTIONS TO CREDIT SCORING SYSTEM 1. Why propose a credit scoring system when the citizens don’t even pay QuickLoan 2. There are no Jobs why are you talking about a credit scoring system? We should start from the basics 3. Interest rates are High why do we need a... show more

🇬🇭Sam Perez🇬🇭

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42,850 次观看 • 2 年前 •via X (Twitter)

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Ghana will be introducing a credit scoring system for individuals. Every individual will have a credit score. Right now our credit scoring system does not exist so we are seen as risky. The Ghana Card will also become the anchor for a credit system in Ghana and it will take a couple of car manufacturers in Ghana notably Solar Taxi to give cars on credit to people,” he said. “All they will need at the point of transaction will be your Ghana card and they will give you a car and then you pay over time.” — Dr. Dr. Mahamudu Bawumia

Ghana will be introducing a credit scoring system for individuals. Every individual will have a credit score. Right now our credit scoring system does not exist so we are seen as risky. The Ghana Card will also become the anchor for a credit system in Ghana and it will take a couple of car manufacturers in Ghana notably Solar Taxi to give cars on credit to people,” he said. “All they will need at the point of transaction will be your Ghana card and they will give you a car and then you pay over time.” — Dr. Dr. Mahamudu Bawumia

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We need a social credit system in the UK

We need a social credit system in the UK

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Chinese government says it is trying to "purify" society with ''Social Credit Scoring'' system. The system carries significant risks to individual freedoms, privacy, and autonomy. ——You can get blacklisted if you refuse to get vaccinated or you are a political dissent!

Chinese government says it is trying to "purify" society with ''Social Credit Scoring'' system. The system carries significant risks to individual freedoms, privacy, and autonomy. ——You can get blacklisted if you refuse to get vaccinated or you are a political dissent!

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"If you have a poor social credit score... they don't even let you into your own home." China's Skynet mass surveillance system is the largest video surveillance system in the world, combining facial recognition technology, AI-powered big data analysis and social credit scoring, to compel behaviour the CCP deems desirable, and punish behaviour it deems undesirable. Coming to the West soon, if we allow it.

"If you have a poor social credit score... they don't even let you into your own home." China's Skynet mass surveillance system is the largest video surveillance system in the world, combining facial recognition technology, AI-powered big data analysis and social credit scoring, to compel behaviour the CCP deems desirable, and punish behaviour it deems undesirable. Coming to the West soon, if we allow it.

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How credit scoring works (the pub version!), just a snippet from the full how to boost your credit score Martin Lewis Money Show, now on ITVX

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Martin Lewis

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Our Credit Score system in America is a scam This woman has hundreds of thousands of dollars in student debt. She makes payments and managed to pay one of the loans off Her credit score dropped because she paid off one of the loans “I’ll you guys something that just continues to unmotivate me to not pay these off, and it shows you how backwards the system is. My credit score went down a point because I paid off one of my loans. Why, why would I pay off my loans when you're penalized when you do pay it off” Your credit score can actually drop by 20-50+ points because you pay off a loan depending on the size of the account This is absolutely a scam The reason for this is, is because the credit score system is a statistical model that takes in a bunch of things. When you pay off a loan it drops the active installment loan metric, so your score drops It eventually corrects after months but it’s still a scam

Our Credit Score system in America is a scam This woman has hundreds of thousands of dollars in student debt. She makes payments and managed to pay one of the loans off Her credit score dropped because she paid off one of the loans “I’ll you guys something that just continues to unmotivate me to not pay these off, and it shows you how backwards the system is. My credit score went down a point because I paid off one of my loans. Why, why would I pay off my loans when you're penalized when you do pay it off” Your credit score can actually drop by 20-50+ points because you pay off a loan depending on the size of the account This is absolutely a scam The reason for this is, is because the credit score system is a statistical model that takes in a bunch of things. When you pay off a loan it drops the active installment loan metric, so your score drops It eventually corrects after months but it’s still a scam

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A Chinese jail dedicated to lock up the blacklisted Chinese personals. In China, if you are blacklisted by Social Credit Scoring System, by law, authorities can legally put you in a jail without a trial, twice a year, 15 days each time.

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In China, if your social credit score gets too low, not only you are banned from traveling with plane, but also you are banned from visiting a doctor. In China, social credit system is much worse than the show Black Mirror now.

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Songpinganq

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Credit scoring is all about behavioural prediction. A bit like when you lend someone money in a pub. A quick video to explain the analogy. Just a snippet of the full Martin Lewis Money Show on Credit Scoring (how it works, how to boost it, and more) on

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Lowering credit card interest rates sounds like a good idea, but often times it ends up hurting the very people who policymakers were seeking to help. If interest rates are capped, the people who need it the most — high-risk borrowers who have low credit scores — will lose access to credit. Interest rates are largely dependent on the person who is doing the borrowing. The riskier a person is to lend to, the higher their interest rate is because the bank is taking on risk by extending them credit. People who are in desperate need of credit who will no longer be able to get a credit card then may turn to more expensive types of credit. This would also impact people who earn lots of rewards on their credit cards, have excellent credit scores, and payoff their balance every month so they don't pay interest. Credit card companies may cut back or cancel rewards and could start implementing annual fees on credit cards that never had them in the past or increase annual fees on existing cards.

Lowering credit card interest rates sounds like a good idea, but often times it ends up hurting the very people who policymakers were seeking to help. If interest rates are capped, the people who need it the most — high-risk borrowers who have low credit scores — will lose access to credit. Interest rates are largely dependent on the person who is doing the borrowing. The riskier a person is to lend to, the higher their interest rate is because the bank is taking on risk by extending them credit. People who are in desperate need of credit who will no longer be able to get a credit card then may turn to more expensive types of credit. This would also impact people who earn lots of rewards on their credit cards, have excellent credit scores, and payoff their balance every month so they don't pay interest. Credit card companies may cut back or cancel rewards and could start implementing annual fees on credit cards that never had them in the past or increase annual fees on existing cards.

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In China, if you are blacklisted by social credit system, Authorities instantly cut you off from banking, mobile payments Once your digital life is shut off, you can’t pay rent, buy train tickets, or even receive wages 🚨 CBDC is the gateway to social credit system!

Songpinganq

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Wall Street Apes In China, there are no food stamps. You are on your own. And you need to earn a high social credit score to get government benefits. You can get blacklisted if your social credit score gets too low too.

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"What are you saying on the Left again? 'Well actually the system is ok, guys! We don't know why they are trying to destroy the system! We need to defend the system!' You guys have been saying the system is completely fucked for over a decade now!"

"What are you saying on the Left again? 'Well actually the system is ok, guys! We don't know why they are trying to destroy the system! We need to defend the system!' You guys have been saying the system is completely fucked for over a decade now!"

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Now, tens of thousands Chinese people are becoming homeless. ——Because they are Blacklisted by Social Credit Scoring system. Authorities freeze their bank account and Digital wallet WeChat, which makes it hard for them to find a job, rent an apartment. They need help!

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