Do you have a bad an old poor story about your credit history ?
Your got an accident with your car ? Your car machine wrecked ? or your mother’s car need a regular services ?
Sometimes we do not care with our vehicle. Specially car or motorbike. And everyone is not a car or motorbike mechanic. Sometimes we are just a normal user, common car user. We do not know what happen with our car machine, if it wrecked. We do not know what is the engine. And of course not everyone know how to fix the problem, fix their own car. As a normal or common car or motorbike user we always need a help. Specially from the car mechanic.
You need money to your daily shopping, but you do not have a credit card ?