There is a very classic example about the importance of credit. A Chinese man took the train in Europe. He found no one checked the ticket, so he just skipped the ticket. He thought he had saved the little money, but when he came to the bank and wanted to get the loan, he got rejected, because his record of credit showed he had skipped the ticket, which made him the unreliable man.
The record of credit is the main basis when people asked for loan. The banks consider the account of money they would borrow according to the credit, or the departments will check a person’s credit to see if they want to hire him. The age of credit asks for us to behave ourselves well, or we will live the tough life.