No savings

You have no more savings in your account as you have withdrawn all of them to buy something or to make payments. When individuals are offered loan for everything, many of them are hardly bothered to save to buy anything.

No emergency fund

You have wiped out your emergency or contingency fund for one or the other reason. In the case of any medical emergency, you will be left with nothing other than borrowing funds.

Calling off important work

When you have plans put off certain essential task such as regular health check up, or any maintenance work due to the cost involved with it.

Minimum payment on credit card

If you are making only minimum balance payment on the credit card bill on a continuous basis is an indication that you are not able to handle credit debt well.

Other source

You have started borrowing funds or taking loans to pay your credit card bills and for your day to day expenses.

Cash advance

You have started to utilize the cash advance facility on your credit card to meet your regular demands.

Higher EMI

Individuals may have different EMIs hitting their account. Make sure it should not be more than 45 per cent of your income. As rest can be used to meet demands, savings and investments.