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It becomes possible for an individual to get loans using their credit cards, though it is an unsecured loan, but most of the people resort to it, and financial institutions do not give up offering this workable option. Loan credit cards becomes also the direct cause for the financial problem of the majority of the people; in short the easiness to get such personal loans allow people to be involved, without being conscious, into credit card excessive use. And since they are unsecured loans, companies do only provide them with a variable high interest rate which would possibly damage many persons along the year, certainly when they face a sudden problems, or even worse, a debtor can be fired so he can't afford what he owe.