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What is Credit?

In financial terms, credit has the following definitions:

1. A means of borrowing some cash from a individual or organization and returning this cash later, usually with accrued interest rate charged on top of the primary borrowed amount.
3. The parole to pay some cash in the future in order to buy something or borrow in the present time. The right to delay payment of loan.
2. A privilege granted for the purpose of prolonging time to make repayment on a loan.
5. Repute for trustworthiness and integrity entitling a somebody to be trusted in borrowing.
4. An covenant in which a borrower acquires something of value in exchange for a parole to pay tis value to a lender later.

Aside from book definitions of the term "Credit", it could be simply described as the ability of a somebody (person or organization) to borrow some valuable (business loans, cash advance, personal loans etc.), or to receive some goods without having to pay the full price up front (for example mortgage or car loan). Typically if you are issued Credit, it will be necessary to pay for you not only the amount of the borrowed money but also some lender's interest rate.

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