What do you mean by credit?

Defiination

Credit is the ability of a person to borrow from the lender for purchase of Goods based on the trust that payment will be made in the future.

Explanation

Some of the debtors or lenders may charge some extra amount at some ratio over the principal amount that can be vary at different circumstances of the Country economic that is called Markup and they circulate the Markup in the business.

Some of the debtors or lenders charge some extra amount that do not vary and that extra amount called Business charges and that business charges circulate in business.