Today many of the youth start with minimum RS15000/- salary.They dont know how to make use of money..They get tempted to purchase any thing with the credit card at the mall.they develop the habit of over spending at the mall which are proliferating in many cities thereby many time they default their instalment emi and land in the hands of recovery agents.In india many times through force descipline is enforced.therefore banks have no option but to appoint recovery agents to get back their money.
