Madrid has a new transport card (Tarjeta Transporte Publico) since July 2017. It's eco-friendly. It lasts ten years!
CREDIT...That is what the Banks of the World "give" you when you behave financially responsibly, according to their criteria. But some people that ALL CREDIT IS A LOAN which has to be paid back...eventually! In the U.S.A., credit is in the hands of Three (count 'em) "Credit Bureaus" called Karma, Karma, and Karma!