Clearly my insight has caused so much cognitive dissonance within you that you couldn't understand my post. Credit cards have nothing to do with mortgages, at least not directly, but it's all part of the same financial system designed to exploit most while truly benefiting few. People in the states call the social credit system China is implementing ridiculous and dystopian, while participating in an even more dystopian system that they can't even recognize since it has been in place for so long here and they've been conditioned to accept it as normal.
Imagine being denied a job or housing you're qualified for or can prove you can pay for just because you haven't borrowed enough money from the banks and lived life consuming more than you need. You don't have to imagine it, since that's actually how it is.
If you don't have the money for a house then you're not qualified to own one by definition. That's why credit exists. ---