The term "low credit" refers to an individual's or a company's poor financial standing, characterized by low credit scores and high debt levels. It indicates that the person or entity has not been able to manage their finances effectively, leading to difficulty in obtaining loans or credit at favorable rates. A low credit score is typically determined by factors such as missed payments, high balances on credit cards, and a limited credit history. As a result, individuals with low credit may have trouble securing housing, car loans, or other types of financing due to their perceived higher risk for default.