Your links (at least the ones I could translate) seem to describe a system very similar to a Credit Score like you have in Western economies. At least it seems very different from the propagandized version of a score that tracks your every action and determines "how good of a citizen are you".
You're completely right, it is very similar to the western style credit score, and is often either accidentally or deliberately misrepresented. That being said, it covers behaviors not covered by western credit scores that does have elements of tracking "how good of a citizen are you".
I think this article from Beijing University does a great job of highlighting some of the issues.
I agree that the American understanding of the Social Credit System is flawed, but to suggest it doesn't exist is an extreme overreach.
Furthermore, it clearly is a system that is important to the CCP and has an effect.
From the Baidu page:
建立社会信用体系是保持国民经济持续、稳定增长的需要
Establishing a social credit system is necessary to maintain sustained and stable growth of the national economy
Certainly Mainland China does need a credit system, and undoubtedly the Social Credit System will and has helped in that regard, but it does have legitimate flaws with regards to privacy.
Its goals extend beyond ensuring creditworthiness to
社会信用体系具有揭示功能，能够扬善惩恶，提高经济效率；
The social credit system has a revealing function, can promote good and punish evil, and improve economic efficiency;
And its integration with the National Healthcare Security Administration, and other government and private entities extend its reach far beyond what the Western credit systems do.
