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The most immediate ones, says Visa's Mr Keeley, are bad payment infrastructures and limited card acceptance by vendors.
A bad payment history means a bad credit history which can be revamped through this service.
He also noted that many of the people now being trapped by bad credit payments failed to plan.
Secondly, they might have a history of bad debts – missed payments etc – or even a bankruptcy.
These are deep waters, because our sensationally bad balance of payments position suggests that a major devaluation of the pound is needed anyway.
A freak set of bad balance of payments figures in June 1970 did for Harold Wilson's chances of winning another election for Labour and made Ted Heath, the Tory leader, the surprise victor at the polls.
Late payments, bad debts, or legal judgments against you make you look like a risky customer.
In two cases he simply wrote bad checks as payment after a long period of non-payment and my polite requests to receive payment.
Could this do for Gordon Brown in 2010 what bad balance-of-payments figures did for Harold Wilson in 1970 Those poor trade numbers four decades ago undercut the then Labour prime minister's claim to have restored the British economy to health.
If that indeed happens, it would exacerbate an already-bad balance of payments problem.
Etsy users had another bad week as payment processor Worldpay continues to cause problems.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com