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Debt consolidation - Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Credit (finance) - Credit as a financial term, used in such terms as credit card, refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

Credit risk - Credit risk is the risk of loss due to a counterparty defaulting on a contract, or more generally the risk of loss due to some "credit event". Traditionally this applied to bonds where debt holders were concerned that the counterparty to whom they've made a loan might default on a payment (coupon or principal).

Credit card debt - Credit card debt is an example of unsecured consumer debt. It results when a customer of a credit card company does not pay the company for the money he or she has spent.

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