I just have to know man, are you really trying to say we already have the mark? Because Rev 14:11 makes it clear that that those who have the mark burn. Trying replacing the part about the mark in that verse with "those who worship the beast and all those who were assigned a credit rating without their consent." No, just no. There may be a system rolled out in a one world government type setting that would make us go cashless that could develop into something like the the mark. But we aren't there yet. It also says causes ALL to receive the mark, great and small, etc. It CAN'T be that  the credit rating current system is the mark, because all humans are not subjected to this system of credit rating currently.