Social Credit Already Exists In The West…Just with Different Spins
November 4, 2025
China is a dystopian nightmare with its social credit system. Westerners believe they can breathe a sigh of relief because that doesn’t happen in their home countries. Oh, how wrong they are. Social credit systems are here, they’re just run by a capitalist system. The Nexus author Natalie Pang explores the idea in, “Your Phone Already Has Social Credit. We Just Lie About It.”
What exactly is social credit? It’s your digital reputation, a profile of your behavior captured by everything: Amazon, credit score, Airbnb, Uber, etc. There isn’t any difference between the social credit system in the west and China, except for one thing: transparency. China is 100% transparent that it rates people, while the West hides it behind many facades. China’s social credit system has been disbanded except for a few outliers. In the West, it’s alarming the impact it has on lives:
“Your credit score doesn’t just determine loan eligibility; it affects where you can live, which jobs you can get, and how much you pay for car insurance. But traditional credit scoring is expanding rapidly. Some specialized lenders scan social media profiles as part of alternative credit assessments, particularly for borrowers with limited credit histories. Payment apps and financial services increasingly track spending patterns and transaction behaviors to build comprehensive risk profiles. The European Central Bank has asked some institutions to monitor social media chatter for early warnings of bank runs, though this is more about systemic risk than individual account decisions. Background check companies routinely analyze social media presence for character assessment. LinkedIn algorithmically manages your professional visibility based on engagement patterns, posting frequency, and network connections, rankings that recruiters increasingly rely on to filter candidates. Even dating has become a scoring system: apps use engagement rates and response patterns to determine who rises to the top of the queue and who gets buried.”
Another difference between China and the West is that these apps don’t talk or affect each other. Amazon doesn’t impact your ride shares, while your dating app doesn’t impact your credit score. These data points can be described as proprietary data or a violation of a user’s privacy, so these companies don’t share them. Another way of putting it these companies don’t want to harm their bottom line.
Social crediting systems are already affecting the west, but only in realm of capitalism and social media. The bigger question to ask is what will happen if companies decide to share data for a profit? Then we’re screwed.
Whitney Grace, November 4, 2025
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