This document is a survey on the use of credit available to low income class in Brazil, and about the behavior of these consumers in managing their debts. The study focus on the difficulty - confirmed by IBGE (the Brazilian Institute for Geography and Statistics) - this population has to get to the end of the month with their bills duly paid and still have enough resources to provide their basic needs. The study has been developed using qualitative interviews to explore the experience and the way the low income consumer faces the process, from borrowing money to the management of the debt. These interviews, recorded and transcript, produced data used to identify subjects related to indebtedness, accumulation of debt, compulsive use of credit cards, as well as the control of expenses and some others. The research shows that, in spite of the significant expansion on the offer of credit to the low income population along the years, it is a cause of trouble for people that use credit without planning carefully their expenses. While, on one hand, the larger offer of credit may play a strategic role in relieving the poverty effects in the less fortunate classes, on the other, using what could be a benefit remains difficult due to the manipulation practices that, explicit or implicitly, credit institutions operating in this sector commonly use to make business. Besides other outputs, the current study points out the need for the taker to be more conscious and to get clarification on the use of credit, but also on the adoption of more reasonable interest rates related to payment term, as well as on a careful previous analysis by the financial institution on the objectives for which the money is being lent.