I usually receive calls from marketing agencies offering credit cards and personal loans when I was still having my regular job. I usually ask what is the requirements for applying credit cards or personal loans. Since banks are almost giving away all sort of credit cards, requirements are lowered down to certificate of employment and ITR (Income Tax Return), which is very easy to produce. So, I was bombarded with requests for certificate of employment…heh. Thus, almost all in the plant have credit cards. Some availed of the personal loans except for those who prefer not to get one and those with bad credit record. Anyway, availment of loans and credit card is still possible though one’s credit record is not good. There’s still hope for those who have bad credit cards and with bad credit loans. The company is offering loans to everybody regardless of credit status and start reclaiming their record.