Artikel acak: Consumer credit
Consumer credit means using of credit system through personal borrowing, credit and payment cards, credit lines or payment by installment. There are various purposes of credit: the credit for personal needs (for example, a car) or buying cards via credit card as the most part of the US citizens do. In general, the USA is the country, where crediting took entered such a level that people can barely do without it. People like “living on credit”, thereby satisfying their need of material comfort. Such thing as “credit history” in the USA is not just a credit history of some citizen, but a statistical profile describing man's solvency, financial biography, which reaches not only traditional banks. It enables finance entities to define acceptable amount of credit and conditions provided to a borrower.