The credit conversation has come up when we are at the store and my kid does not have cash with them. I "give them credit" by paying for an item at the store and then they pay me back. In the past, the "paying it back" became a big argument, so they had bad credit.

Also came up in a conversation about how to people buy houses that cost hundreds of thousands of dollars. The bank gives them credit, the same way I give my kid credit at the store.