No man's credit is a good as is money. The other face of credit is debt. You credit is worth more than your capital. Early to rise and late to bed lifts again the debtor's head. Seldom loan comes laughing home.
Creditors have better memories than debtors.
Money borrowed is soon sorrowed. Pay your debts or lose your friends. A man in debt is caught in a net. He robs Peter to pay Paul. Without debt, without care.