Social credit score affects all your actions as a citizen, and can restrict your liberty as a citizen. E.G: a cop don't like you because you sleep with his sister, they charge you on false pretense, and now your internet is more restricted or you can't take some trains.

Banking credit score only affect your ability to get a loan. You sleep with a banker sister, and... they can't do shit because there is no money trail and you can apply for a loan elsewhere. You will only be rejected for a loan if fail to pay some of your existing loans. Reasonable.