According to Foreign Policy, credit systems monitor whether people pay bills on time, much like financial credit trackers — but also ascribe a moral dimension.
Other mooted punishable offences include spending too long playing video games, wasting money on frivolous purchases and posting on social media.
Spreading fake news, specifically about terrorist attacks or airport security, will also be punishable offences.
3. Banning you (or your kids!) from the best schools.
17 people who refused to carry out military service last year were barred from enrolling in higher education, applying for high school, or continuing their studies, Beijing News reported.
Citizens with low social credit would also be prohibited from enrolling their children at high-paying private schools, Botsman said. It's not clear whether this particular policy has been put into action yet.
4. Stopping you getting the best jobs.
"Trust-breaking" individuals would also be banned from doing management jobs in state-owned firms and big banks.
Some crimes, like fraud an embezzlement, would also have a big effect on social credit, Botsman reported.
Despite the creepiness of the system — Human Rights Watch called it "chilling," while Botsman called it "a futuristic vision of Big Brother out of control" — some citizens say it's making them better people already.
A 32-year-old entrepreneur, who only gave his name as Chen, told Foreign Policy: "I feel like in the past six months, people’s behaviour has gotten better and better.
"For example, when we drive, now we always stop in front of crosswalks. If you don’t stop, you will lose your points.
"At first, we just worried about losing points, but now we got used to it."