No
I've not held a US credit card for 20 years.
I'd run credit reports on myself two big corporation I forget which about 2010. They didn't even have me in db. Years leading up I'd dropped all credit cards. I've never carried loans.
I don't give it one second of thought.
Also, I'm never going back to that shi+hole, dirty, broken, expensive, woke nation. Trying my best to get everything out not moving back lol