credit score
A credit score is the numerical judge by which banks and card companies coldly decide your eligibility for transactions. It takes into account your repayment and payment history, and sometimes even your acquaintances and residence, acting like a sterile prophet predicting your financial downfall. Those boasting high marks are treated as chosen elites, while those branded with low scores face rejection at every application. It is ironic that personal relationships and professional merits become mere footnotes before this single number.