If you live in another country, you couldn't care less of your Orwellian "credit score" being affected. Using a virtual debit card really pays off in this case.
And in the ones that don't, banks still get information about your late payments and unpaid debts; they just make the same determinations privately. The only difference is that it's less transparent to you, so you can't even check whether their information is accurate.
There's nothing "Orwellian" about it. There's nothing totalitarian about checking whether somebody pays their bills or not before you decide to lend them money.
