as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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how can i have credit cards without having a credit history or credit score?
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for instance and to give a comparison to the us - in austria, almost everybody gets a credit card (without a credit history (e.g. a young person) / with a bad credit history & with a good credit history).  the credit history is in the usa much more important than in austria. in future, the way to assess a credit history will change due to analysis of social networks for instance. this can be considered in addition to traditional scoring procedures. is your credit history/score like a criminal record? nope. i mean is it always with you?  not really cause a criminal record will be retained on a central storage (to state it abstract) and a credit history can be calculated by private companies. also, are there other ways to get credit cards besides with a bank? that depends on the country. in austria, yes.
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