In developed countries where people have access to countless offers the broadest range imaginable, where the only limitation is the level of income of the individual or their family nucleus, there is a growing concern for trying to educate people that they can sort their finances and so balance their frantic pace of spending with revenues obtained. Society generally cares for your credit because, without it, the opportunities of all kinds, offered daily, for those who fall within the definition of good paying literally disappear. The rawness of this reality tells us, that, if a person has no credit, for more cash to handle, simply does not exist, the absence in the records of credit controllers and not having background subject matter prevents them from access to the system in such a way that the person only can be moved within the limitations of their purchasing power in cashYou can not count on no alternative low no concept. That for a society of high consumption is more than reason enough to seek, by all means, keep a reliable credit behavior. However, before the growing of truly amazing offers temptation, it is very common to live on the razor's edge, on the edge of the abyss, Contracting payment commitments which may not be covered in the dates provided for depreciation, causing high additional costs for interest income and the consequential constraints in the realization of new credits in the future, which if obtained themthey will be in disadvantageous conditions in relation to those obtained previously. This situation has led to create true crisis of relationships in family nuclei, being one of the main causes of rupture of these linkages. Excess consumption is regarded as a real pest and is a permanent source of attention by the authorities of Government and social agents and preachers of all religions. A developed society is oriented consumption to the point of not devise other means of subsistence, the consumer society proclaims the concept of the standing man, insurance if same, capable of producing goods and services that will result in higher income, income that is again coming to market through offers of consumer goods, life insurance, investments, travel for pleasure, etc.