--- title: "Meaning & Key Takeaway of: When credit is cheaper to use and easier…" description: "\"When credit is cheaper to use and easier to arrange, people do use more of it.\" — Virginia Postrel" image: "https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg" --- # When credit is cheaper to use and easier to arrange… ![“When credit is cheaper to use and easier to arrange, people do use more of it.” quote by Virginia Postrel](https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg) [Download](https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg) [Open image](https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg) > “When credit is cheaper to use and easier to arrange, people do use more of it.” [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Easy, cheap credit encourages people to borrow and spend more, increasing overall consumption. **In simple terms:** Cheap credit fuels spending. Key Takeaway Use credit wisely, avoid over‑borrowing. Themes economics consumer behavior finance Mood cautious analytical Type educational analytical When to use this quote - personal budgeting - business investment - government policy - housing market Key Concepts credit cycles behavioral economics Questions to Reflect On - How does credit affect your purchasing habits? - What safeguards can prevent over‑reliance on credit? A Different Perspective May lead to debt bubbles and financial instability. ★ ★ ★ ★ ★ No ratings yet [Credit](https://sms4smile.com/quotes/about/credit/) [Customer](https://sms4smile.com/quotes/about/customer/) [People](https://sms4smile.com/quotes/about/people/) ## Related quotes > [What is bought is cheaper than a gift.](https://sms4smile.com/quotes/anonymous/what-is-bought-is-cheaper-than-a-gift/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [I write the way you might arrange flowers. Not every try works, but each one launches another. Every constraint, even dullness, frees up a…](https://sms4smile.com/quotes/richard-powers/i-write-the-way-you-might-arrange-flowers-not-every-try-works-but/) [Richard Powers](https://sms4smile.com/quotes/author/richard-powers/) > [After that he turned to the question of invading England. Hitler said that during the previous year he could not afford to risk a…](https://sms4smile.com/quotes/kurt-student/after-that-he-turned-to-the-question-of-invading-england-hitler-said/) Kurt Student > [In my day, when I was a young kid, army duty was compulsory in South Africa or you go to jail. I had the…](https://sms4smile.com/quotes/trevor-rabin/in-my-day-when-i-was-a-young-kid-army-duty-was-compulsory-in-south/) [Trevor Rabin](https://sms4smile.com/quotes/author/trevor-rabin/) > [I'm trying to arrange my life so I don't have to be present.](https://sms4smile.com/quotes/woody-allen/i-m-trying-to-arrange-my-life-so-i-don-t-have-to-be-present/) [Woody Allen](https://sms4smile.com/quotes/author/woody-allen/) > [“And yet how simple it is: in one day, in one hour everything could be arranged at once! The chief thing is to love…](https://sms4smile.com/quotes/fyodor-dostoyevsky/and-yet-how-simple-it-is-in-one-day-in-one-hour-everything-could-be/) [Fyodor Dostoyevsky](https://sms4smile.com/quotes/author/fyodor-dostoyevsky/) > [Universe will re-arrange itself accordingly.](https://sms4smile.com/quotes/rhonda-byrne/universe-will-re-arrange-itself-accordingly/) [Rhonda Byrne](https://sms4smile.com/quotes/author/rhonda-byrne/) > [I arrange my subject as I want it, then I go ahead and paint it, like a child.](https://sms4smile.com/quotes/pierre-auguste-renoir/i-arrange-my-subject-as-i-want-it-then-i-go-ahead-and-paint-it-like-a/) [Pierre-Auguste Renoir](https://sms4smile.com/quotes/author/pierre-auguste-renoir/) > [Honestly, I envy painters, who can have a masterpiece in one morning. Or musicians, who can write something in 30 minutes and arrange it…](https://sms4smile.com/quotes/barry-hannah/honestly-i-envy-painters-who-can-have-a-masterpiece-in-one-morning-or/) [Barry Hannah](https://sms4smile.com/quotes/author/barry-hannah/) > [You wanna re-arrange the truth about me, how about I re-arrange your face whit my fist](https://sms4smile.com/quotes/buck-stina/you-wanna-re-arrange-the-truth-about-me-how-about-i-re-arrange-your/) Buck-Stina > [I can read and arrange, but I can't write.](https://sms4smile.com/quotes/nina-simone/i-can-read-and-arrange-but-i-can-t-write/) [Nina Simone](https://sms4smile.com/quotes/author/nina-simone/) > [“Forgiveness is between them and God. It's my job to arrange the meeting.”](https://sms4smile.com/quotes/leslie-langtry/forgiveness-is-between-them-and-god-it-s-my-job-to-arrange-the-meeting/) [Leslie Langtry](https://sms4smile.com/quotes/author/leslie-langtry/) > [The moment you put something down on paper it forces you to organize and arrange these thoughts a little better.](https://sms4smile.com/quotes/jimenez-lai/the-moment-you-put-something-down-on-paper-it-forces-you-to-organize/) [Jimenez Lai](https://sms4smile.com/quotes/author/jimenez-lai/) > [The laws of physics should allow us to arrange things molecule by molecule and even atom by atom, and at some point it was…](https://sms4smile.com/quotes/ralph-merkle/the-laws-of-physics-should-allow-us-to-arrange-things-molecule-by/) [Ralph Merkle](https://sms4smile.com/quotes/author/ralph-merkle/) > [My first album didn't come out until I was 27, which in pop years is late, you know. But when it came time to…](https://sms4smile.com/quotes/bjork/my-first-album-didn-t-come-out-until-i-was-27-which-in-pop-years-is/) [Bjork](https://sms4smile.com/quotes/author/bjork/) ## More by Virginia Postrel > [The low point for neon came in 1982, when Holiday Inn did away with its signature 'Great Sign,' replacing the neon extravaganza with a…](https://sms4smile.com/quotes/virginia-postrel/the-low-point-for-neon-came-in-1982-when-holiday-inn-did-away-with/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > ['The Matrix' is a movie that is all about glamour. I could do a whole talk on 'The Matrix' and glamour. It was criticized…](https://sms4smile.com/quotes/virginia-postrel/the-matrix-is-a-movie-that-is-all-about-glamour-i-could-do-a-whole/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [Science is about exploring the unknown and cannot offer guarantees.](https://sms4smile.com/quotes/virginia-postrel/science-is-about-exploring-the-unknown-and-cannot-offer-guarantees/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [“Design is not style. It’s not about giving shape to the shell and not giving a damn about the guts. Good design is a…](https://sms4smile.com/quotes/virginia-postrel/design-is-not-style-it-s-not-about-giving-shape-to-the-shell-and-not/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [Persuasion has become a kind of force. The more the advertiser knows about what consumers want, and the more desires the product and packaging…](https://sms4smile.com/quotes/virginia-postrel/persuasion-has-become-a-kind-of-force-the-more-the-advertiser-knows/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [Glamour is a beautiful illusion - the word 'glamour' originally meant a literal magic spell - that promises to transcend ordinary life and make…](https://sms4smile.com/quotes/virginia-postrel/glamour-is-a-beautiful-illusion-the-word-glamour-originally-meant-a/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [A standard 'well woman' checkup can last as little as 10 minutes, hardly time for any in-depth discussions.](https://sms4smile.com/quotes/virginia-postrel/a-standard-well-woman-checkup-can-last-as-little-as-10-minutes-hardly/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [When I was in college, I wanted to be editor of 'Reason' when I grew up. It was an impractical ambition, especially since the…](https://sms4smile.com/quotes/virginia-postrel/when-i-was-in-college-i-wanted-to-be-editor-of-reason-when-i-grew-up/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [A lot of consumers actively enjoy advertising, especially fashion print ads and clever TV commercials. The nostalgic cable channel TVLand features not only vintage…](https://sms4smile.com/quotes/virginia-postrel/a-lot-of-consumers-actively-enjoy-advertising-especially-fashion/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [“Functionality still matters, of course. But competition has pushed quality so high and prices so low that many manufacturers can no longer distinguish themselves…](https://sms4smile.com/quotes/virginia-postrel/functionality-still-matters-of-course-but-competition-has-pushed/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [Like the skyscraper, the automobile, and the motion-picture palace, neon signs once symbolized popular hopes for a new era of technological achievement and commercial…](https://sms4smile.com/quotes/virginia-postrel/like-the-skyscraper-the-automobile-and-the-motion-picture-palace-neon/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [When 'Buffy the Vampire Slayer' premiered on the WB Network in 1996, American culture was in trouble. Americans were bowling alone, pursuing individual interests…](https://sms4smile.com/quotes/virginia-postrel/when-buffy-the-vampire-slayer-premiered-on-the-wb-network-in-1996/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [The glamour of air travel - its aspirational meaning in the public imagination - disappeared before its luxury did, dissipating as flying gradually became…](https://sms4smile.com/quotes/virginia-postrel/the-glamour-of-air-travel-its-aspirational-meaning-in-the-public/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [Behind the criticism of fashion as an artistic medium is a highly ideological prejudice: against markets, against consumers, against the dynamism of Western commercial…](https://sms4smile.com/quotes/virginia-postrel/behind-the-criticism-of-fashion-as-an-artistic-medium-is-a-highly/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) > [In the fall of 1978, I left the religious, conservative, biracial, slow-paced culture of South Carolina for the secular, liberal, multi-ethnic, intense culture of…](https://sms4smile.com/quotes/virginia-postrel/in-the-fall-of-1978-i-left-the-religious-conservative-biracial-slow/) [Virginia Postrel](https://sms4smile.com/quotes/author/virginia-postrel/) [Explore all 147 Virginia Postrel quotes ](https://sms4smile.com/quotes/author/virginia-postrel/) ## More Arrange quotes > [I write the way you might arrange flowers. Not every try works, but each one launches another. Every constraint, even dullness, frees up a…](https://sms4smile.com/quotes/richard-powers/i-write-the-way-you-might-arrange-flowers-not-every-try-works-but/) [Richard Powers](https://sms4smile.com/quotes/author/richard-powers/) > [The laws of physics should allow us to arrange things molecule by molecule and even atom by atom, and at some point it was…](https://sms4smile.com/quotes/ralph-merkle/the-laws-of-physics-should-allow-us-to-arrange-things-molecule-by/) [Ralph Merkle](https://sms4smile.com/quotes/author/ralph-merkle/) > [The moment you put something down on paper it forces you to organize and arrange these thoughts a little better.](https://sms4smile.com/quotes/jimenez-lai/the-moment-you-put-something-down-on-paper-it-forces-you-to-organize/) [Jimenez Lai](https://sms4smile.com/quotes/author/jimenez-lai/) > [“Forgiveness is between them and God. It's my job to arrange the meeting.”](https://sms4smile.com/quotes/leslie-langtry/forgiveness-is-between-them-and-god-it-s-my-job-to-arrange-the-meeting/) [Leslie Langtry](https://sms4smile.com/quotes/author/leslie-langtry/) > [I can read and arrange, but I can't write.](https://sms4smile.com/quotes/nina-simone/i-can-read-and-arrange-but-i-can-t-write/) [Nina Simone](https://sms4smile.com/quotes/author/nina-simone/) > [You wanna re-arrange the truth about me, how about I re-arrange your face whit my fist](https://sms4smile.com/quotes/buck-stina/you-wanna-re-arrange-the-truth-about-me-how-about-i-re-arrange-your/) Buck-Stina > [Honestly, I envy painters, who can have a masterpiece in one morning. Or musicians, who can write something in 30 minutes and arrange it…](https://sms4smile.com/quotes/barry-hannah/honestly-i-envy-painters-who-can-have-a-masterpiece-in-one-morning-or/) [Barry Hannah](https://sms4smile.com/quotes/author/barry-hannah/) > [I arrange my subject as I want it, then I go ahead and paint it, like a child.](https://sms4smile.com/quotes/pierre-auguste-renoir/i-arrange-my-subject-as-i-want-it-then-i-go-ahead-and-paint-it-like-a/) [Pierre-Auguste Renoir](https://sms4smile.com/quotes/author/pierre-auguste-renoir/) > [Universe will re-arrange itself accordingly.](https://sms4smile.com/quotes/rhonda-byrne/universe-will-re-arrange-itself-accordingly/) [Rhonda Byrne](https://sms4smile.com/quotes/author/rhonda-byrne/) > [“And yet how simple it is: in one day, in one hour everything could be arranged at once! The chief thing is to love…](https://sms4smile.com/quotes/fyodor-dostoyevsky/and-yet-how-simple-it-is-in-one-day-in-one-hour-everything-could-be/) [Fyodor Dostoyevsky](https://sms4smile.com/quotes/author/fyodor-dostoyevsky/) > [I'm trying to arrange my life so I don't have to be present.](https://sms4smile.com/quotes/woody-allen/i-m-trying-to-arrange-my-life-so-i-don-t-have-to-be-present/) [Woody Allen](https://sms4smile.com/quotes/author/woody-allen/) > [In my day, when I was a young kid, army duty was compulsory in South Africa or you go to jail. I had the…](https://sms4smile.com/quotes/trevor-rabin/in-my-day-when-i-was-a-young-kid-army-duty-was-compulsory-in-south/) [Trevor Rabin](https://sms4smile.com/quotes/author/trevor-rabin/) > [After that he turned to the question of invading England. Hitler said that during the previous year he could not afford to risk a…](https://sms4smile.com/quotes/kurt-student/after-that-he-turned-to-the-question-of-invading-england-hitler-said/) Kurt Student > [My first album didn't come out until I was 27, which in pop years is late, you know. But when it came time to…](https://sms4smile.com/quotes/bjork/my-first-album-didn-t-come-out-until-i-was-27-which-in-pop-years-is/) [Bjork](https://sms4smile.com/quotes/author/bjork/) > [You have to constantly arrange yourself around them, and that can take up a lot of energy. I mean, you don't go, "Why don't…](https://sms4smile.com/quotes/carrie-fisher/you-have-to-constantly-arrange-yourself-around-them-and-that-can-take/) [Carrie Fisher](https://sms4smile.com/quotes/author/carrie-fisher/) Browse all 52 Arrange quotes ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "When credit is cheaper to use and easier to arrange, people do use more of it.", "creator": { "@type": "Person", "name": "Virginia Postrel" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/virginia-postrel/when-credit-is-cheaper-to-use-and-easier-to-arrange-people-do-use/", "about": { "@type": "Thing", "name": "Arrange" }, "@id": "https://sms4smile.com/quotes/virginia-postrel/when-credit-is-cheaper-to-use-and-easier-to-arrange-people-do-use/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg", "contentUrl": "https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg", "url": "https://sms4smile.com/quotes/i/563/virginia-postrel-2867_arrange_when-credit-is-cheaper-to-use-and-easier_194852.jpg", "width": 1080, "height": 1080, "caption": "“When credit is cheaper to use and easier to arrange, people do use more of it.” — Virginia Postrel", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Virginia Postrel", "item": "https://sms4smile.com/quotes/author/virginia-postrel/" }, { "@type": "ListItem", "position": 4, "name": "When credit is cheaper to use...", "item": "https://sms4smile.com/quotes/virginia-postrel/when-credit-is-cheaper-to-use-and-easier-to-arrange-people-do-use/" } ], "@id": "https://sms4smile.com/quotes/virginia-postrel/when-credit-is-cheaper-to-use-and-easier-to-arrange-people-do-use/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```