I believe it's because you don't have a credit card. At least here in Brazil, it works a little like this. The more credit you use, the more you "earn credit", a kind of social capital, indicating that you are capable of issuing debt and paying it on time.
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Yes, I know, it doesn't make any sense. But I think it's a way they found to 'track' what you use, and how much you consume, and consequently increasing your potential Score.
I vaguely get its process because the one time I attempted to get a credit card, shortly after graduation, they said i couldn't get one because I had no credit score. I asked how to I get a credit score, they said by getting a credit card.
So I left...
Hahahahah what a paradox...
Clown world XD