Lifestyle here in USA is very different. I came from Philippines. Filipino people like to use cash as it was been the practice for so many years. As the time is getting more liberated credit card and debit card was introduce and the benefits of having one.
I never had a credit card in Philippines. When i got here in the USA i was curious hearing peoples of looking for places that give their free credit score report and i was asking my husband about it. Why knowing your credit score is so important? My husband explained as i had no idea and never heard of credit report in Philippines.
People buried in debt are mostly no idea of how to apply the money management to their financial account. There are people where you can ask for advises on how to manage your money and make it grow the best and secure way you can go to firms or go online for ideas.