I have met many old friends who have problems in credit or loan. The problem is occurred because they were unable to pay the loan because of many reasons. Most frequently reason is because their expense bigger than income every month. This condition will create deficit rate every month and if it happens in several months, finally they will collapse and going into bankruptcy. There are many reasons of why people get this bad credit rating. When you are unable to pay credit then your name with social number will be put in the central bank debtor list. It is like a blacklist for me. When your name entered at that list, it shows that you really get terrible bad credit credit card effect on life. Is that a dead end for people? You really need a solution then what is the good solution for this person with bad credit rating? Have you heard about several credit cards for poor credit, which offered by the bank according to the debtor condition. If there is no guarantee for our credit then no financial institute will give them loan. That is why credit rating must be kept very well. When you say about loan especially the unsecured personal loan, you will understand that there is a solution for credit rating problem. There are credit cards for people with bad credit which will help people to rebuild their credit rating.