Today, I'm going to be answering some of your questions around credit. In case you've forgotten or don't know I worked in the banking industry for 6 years, my last role being a mortgage lender so I am qualified to answer these questions. Here are some of your credit and cash questions: Do I need to apply for credit if I have cash?  How do you get yourself out of a bad debt situation? How can i boost my credit worthiness? This segment is on unsecured loans, that is personal loans and credit cards. Secured loans, that is mortgages, are pretty similar in that you still have to present to be credit worthy. But it's a whole new ball game and a topic for another segment. Finance is an often boring topic I find but absolutely necessary. If I get interest I'll be happy to do a secured loan episode, let me know.