Credit indicates two things in the life of a borrower:

1) You have gained the trust of a creditor and therefore a responsibility
2) It will be possible to buy and invest at a previously impossible level.

The responsibility that comes with credit, as already explained, is great. The creditor puts you in a position of trust that is reflected in his honor and his credit history. Being able to maintain a budget is a requirement to manage credit. By receiving credit, a borrower gains formal attestation from the creditor that he has learned to manage his own income and expenses. It is a very important step towards independence
financial.

The ability to pay for emergency expenses, purchase an expensive item, or invest in the future also demonstrates financial independence. The borrowed amount can allow one to overcome limitations that previously prevented one from improving their quality of life.