If used correctly credit can add positive value to your overall financial well being. But you need to ensure that you understand what the total amount is that you will re-pay and if that amount is reasonable for the need you want to use the credit for; whether it be for renovating your home, buying stock and equipment for your side hustle; or paying for your child’s education. Avitha Nofal, Senior Legal Advisor & Council Secretariat · Credit Ombud helps us understand what credit actually costs. Kaya 959 Website