👉 Creditless refers to a situation where someone has no intention of paying back money they owe, and therefore is not legally obligated to pay back the amount owed. In other words, it's like if you're borrowing $10 from someone but never intend to return the loan. For example, suppose you borrow $50 from your friend who promised to repay you within 3 months. If you don't return the money, they won't have any obligation to pay back the borrowed amount.
