Consumer credits include credit card loans, housing and study loans, hire purchase loans and credit card loans provided by financing companies for making purchases at furniture shops.
Credit involves financial risks. Before taking on credit, you should always review your ability to pay as well as what this credit will actually cost and what you are committing yourself to.
When you pay on credit, you are usually also paying additional costs compared to a cash payment. Comparing different credit options and their costs is worth the trouble.