Well… It’s not “Norway has a map of murders”, but a newspaper in Norway has made a map of murders in Norway.

Maybe this explains further https://lemmy.world/comment/7822919

Exactly. It is potential debt and it goes against getting new loan/debt from banks. No matter if you have used the credit card or not. The banks look at the available limit on an your credit cards or available credit and view that as debt when they calculate how much they can loan you.

In Norway having loads of credit cards is negative for getting a house loan as it is potential debt that goes against your payment ability for the house loan.

Meaning we do have a credit score system for getting loans and more stuff on various credit solutions, but credit cards works against larger loans.

Which can be a pain in the ass when you want to buy a house/apartment and have credit cards that might deny you the last bit of money to win the bidding war…