> In addition to dishonest and fraudulent financial behavior, there has been proposals in some cities to officially list several behaviors as negative factors of credit ratings, including playing loud music or eating in rapid transits,[68] violating traffic rules such as jaywalking and red-light violations,[76][83] making reservations at restaurants or hotels, but not showing up,[86] failing to correctly sort personal waste,[96][97][81]

I have no idea why you thought this link would help you make your case. Human rights organizations the world over criticize the social credit score: https://ohrh.law.ox.ac.uk/the-human-rights-implications-of-c...

the social credit myth has been busted plenty of times. it's a cursory search away.