Credit means that a certain confidence is given, and a certain trust reposed. Is that trust justified? And is that confidence wise? These are the cardinal questions. To put it more simply credit is a set of promises to pay; will those promises be kept?
Walter BagehotWhenever two people meet, there are really six people present. There is each man as he sees The greatest pleasure in life is doing what people say you cannot do.
Walter Bagehot