Canada. No idea of the scores thing, despite being inundated by adverts about it most of my life.

However, I can’t fathom people who’ve never had a credit card – are you living the life of a monk, still in high school; what?

It perplexes me because I’ve had a credit card since entering the workforce and, while I’ve used it sparingly, it’s really saved my ass a few times. “Neither a borrower nor a lender be” is just adding challenges to your life you don’t need at a time when you need them least.