For many westerners , they are very comfortable to pay minimum payment on their monthly credit balance. At the end of their life, it becomes bad debt write off of the bank. This habit is formed from the day they leave home for another city for work or university. They don’t talk about personal finances between friends , this is personal privacy. As long as the banks grant them credit, they’ll be able to get by. As long as they pay monthly minimum payment, their credit rating is in good standing.