Its extremely difficult for migrants to get UK credit cards. It took me 11 years to get citizenship and in that time I just got used to not having one.
Economic discrimination against migrants via the credit system also has serious implications for housing. Being married gives me a work around. Everything is in my spouse's name. She now has a brilliant credit history and I continue to have none, like a gender swapped 1970s.
Anyway its cool you've never heard of this, when this kind of thing keeps showing up in political party platforms. Like, it really puts my experience in perspective.
is a Green