Ayushree
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‘Credit pushes the borrower into situation from which recovery is very painful’. Support the statement.

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Credit can become harmful when high interest rates and strict repayment conditions make it difficult for the borrower to repay on time. This leads to increasing debt, pressure from lenders and a painful financial situation that becomes very hard to escape.

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1 Answer

  1. Credit can create a painful situation for borrowers when repayment becomes difficult:

    • High interest rates increase the total amount to be paid back.
    • Missed payments add penalties, raising the debt further.
    • Borrowers may take new loans to repay old ones, creating a debt trap.
    • Financial pressure affects their income, savings and daily needs.
    • Stress from lenders and uncertainty harm their mental well-being.

    Thus, costly or poorly managed credit makes recovery extremely hard for borrowers.

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