With unemployment still rising and consumers still not spending as before, being cautious about extending new credit doesn't seem particularly outrageous.

失业率还在上升，消费者还像原来那样不肯掏钱，对新贷款的扩展还是小心翼翼，看不到特别放纵的迹象。

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M-banking schemes can be combined with microfinance loans, extending access to credit and enabling users to establish a credit history.

手机银行方案还包含小额贷款，扩展了信贷渠道，而且能够建立贷款人的信用记录。

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And are Chinese Banks as good as Indian families at evaluating the business merits of an entrepreneur's idea before extending credit?

中资银行在提供贷款前，是否能像印度家庭一样仔细评估创业想法的商业价值呢？

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No one will be extending you any credit under these circumstances, and no one will be extending any credit to your impostor, either.

NPR: Identification Theft: Protecting Your Personal Data

Sallie Mae is increasing fees and talking about getting "more selective" in extending credit.

FORBES: Magazine Article

Banks will still be wary of extending credit to anyone but the most gold-plated borrowers.

ECONOMIST: Finance