Credit Counselling

Why it is good to have credit counselling or credit counseling first before going to have a big credit application? As for me, this I need the most so as for me to have a briefing on how will am going to pay it. I am a type of person that can handle just anything but finding it hard for me to pay my credits. And with this article that I find in here, I can say that it helps me a lot. Thanks for this thing!