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[AskEurope] Fellow Europeans, what is the aspect of USA lifestyle that surprises you the most? (discuss.tchncs.de)

submitted 1 year ago by [email protected] to c/[email protected]

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First of all, let's try to avoid American-bashing, and stay respectful to everyone.

I'll start: for me it's the tipping culture. Especially nowadays, with the recent post on [email protected] with the 40% tip, it just seems so weird to me to have to pay extra just so that menu prices can stay low.

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[–] [email protected] 7 points 1 year ago* (last edited 1 year ago)

If you have any outstanding debts, that's recorded in a registry (BKR), so the banks won't give you a loan (you won't even be able to buy a phone on credit).

If you have no outstanding debts, you are not registered at BKR, so the banks will give you a loan according to their internal formulas (e.g. if you don't have a high salary you won't get a €1 million loan, but you might be able to get a €300.000 one).

So I guess it's like a negative credit system: if you're not credit-worthy, lenders will know (due to being BKR-registered), and otherwise you're assumed to be credit-worthy (in accordance to your salary).