credit system of living life comes from USA there life is on credit. the banks and fianance companies have tried to make indian masses to live on credit for a short term nessacity. culturally we are not credit transactors and we buy from what we have. people please do not ruin your lives in credit as u loose more then u even earn. It is slow poision. The whole of USA is in crisis because of credit market. lets not make are economy in the same length. we have a strong economy.Let us all fall out of these stupid schemes and live on our own merrits. we are intellegent indians need no dependency of credits.