Presently, a sizable group believes that credit has become more popular and a magnificent way to procure essential items for being such as cars or accommodations, while, others argue that it has more drawbacks. In this essay, I will discuss both sides of public opinion and give my own. Firstly, I will consider how lent money opens more opportunities. Secondly, I will explore ignorance and the risk of losing belongings, and utilizing these funds incorrectly.