You're forgetting about who gets to decide what 'negative stuff' is, and how they are able to tell what you are doing. Like, if it got implemented in the USA, do you think your social credit would increase if you went to a BLM protest? Not likely.
We already have that in the usa and yes criminal records can negatively effect your credit score and make getting housing, credit cards, and transportation much harder.
You're forgetting about who gets to decide what 'negative stuff' is, and how they are able to tell what you are doing. Like, if it got implemented in the USA, do you think your social credit would increase if you went to a BLM protest? Not likely.
We already have that in the usa and yes criminal records can negatively effect your credit score and make getting housing, credit cards, and transportation much harder.