Une personne peut avoir une cote de crédit A1 au bureau de crédit, mais si celle-ci a payé le montant minimum sur sa carte, elle est encore un bon consommateur, elle s'interfinance avec ses cartes de crédit, sa marge de crédit et son prêt personnel.
A person may have an A1 credit rating with the Credit Bureau, because he only has to make the minimum payment on his card to continue to be considered a good customer, even though he may be using credit from other sources, like credit cards, a line of credit or a personal loan, in order to keep up his payments.