It also does some more adventurous lending, although trickier credit assessments are farmed out to private banks, which collect a fee for their pains and also assume the risk of loans going bad.
Analysts in the banking industry say that lending to low-income customers, especially those with tarnished credit, is tricky and that banks sometimes have to charge higher rates to offset their risk.
Be careful of the tricky 1 or 2 credit courses.
The tricky point comes when the credit limit is reached.For governments, that credit limit can vary enormously.
According to Jim Bruene, founder of NetBanker, which tracks the online finance world, social lending sites make the most sense for borrowers who are self-employed or have other qualities that make it trickier for banks or credit unions to evaluate them.
This can get tricky, however, since many forms of credit require good credit to qualify to use them.
Mr. Pez said that the company needed to sell assets to pay debt, but that "it's quite tricky" to divest businesses with credit markets tight.
Even before his boss, John Fitzgerald Kennedy, became president of the US, Sorensen, who has died aged 82, had to handle tricky questions about how much credit he deserved for a book for which Kennedy won a Pulitzer prize.
Credit scoring is tricky in many emerging regions since a large proportion of people don't own bank accounts or use them regularly.
Cosigning for credit can be tricky because if the borrower defaults, or doesn't pay, the cosigner can get stuck in the middle.
