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The credit market was affected by many factors, especially after the financial recession in 2008. Today, credit companies think twice before approving any kind of credit facility, considering the fact that many mortgages and credits approved before 2008 were foreclosed. On the other side, the borrowers also have their doubts about credits, knowing that they might not be able to pay them after a while.
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When monthly income can't keep up with the budget, often times a person will use a credit card or take out a cash advance loan to support the additional expenses. I often hear complaints about finding a second job. No one is hiring, there is no time, don't want to give up weekends, can't afford the extra daycare needed and so on.
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