Credit is ubiquitous in the life of Chilean households, the oldest neoliberal society. It is a key feature in the budgeting, shopping, and consuming practices of families. Consequently, to be indebted is a normal expectation in Chile. Families engage with the ‘necessary evil’ of credit in different ways, representing a massive, regular use of credit as short, medium and long-term leverage tools, with store cards being the main source of credit for lower and moderate income families in general. Moral obligations together with conventional and unconventional financial knowledge accompany the everyday situated economic practices of families.

Addressing both the normalisation and the moralisation of credit, I attempt to make the case for the ongoing resignification of credit and debt and the evolving moral assessments of indebtedness, focusing on moderate and low-income households, namely those who embrace credit during recent decades. This article contributes to the discussion about the meaning of debt, to understand the financialisation of everyday life by looking at situated economic practices, and to recognise the social, moral and relational foundations of the economic practices. From the coming of the expansion of credit, households have learnt to deal with economic rationalities and internal and external moral judgements in order to justify their use of credit. Together with structural factors, this develops indebtedness assessments from detachment to naturalisation, placing credit and debt in the centre of ‘decent life’ expectations.

信用在智利最古老的新自由主义社会的家庭生活中无处不在。它是家庭预算、购物和消费实践中的一个关键特征。因此，负债是智利的正常预期。家庭以不同的方式参与信贷的“必要之恶”，代表了大规模、定期使用信贷作为短期、中期和长期杠杆工具，而商店卡通常是中低收入家庭的主要信贷来源. 道德义务以及传统和非传统的金融知识伴随着家庭的日常经济实践。

针对信贷的正常化和道德化，我试图说明信贷和债务的持续重新定义以及对债务的不断发展的道德评估，重点关注中低收入家庭，即近几十年来接受信贷的家庭。本文有助于讨论债务的含义，通过观察情境经济实践来理解日常生活的金融化，并认识经济实践的社会、道德和关系基础。从信贷扩张的到来，家庭学会了处理经济理性和内部和外部的道德判断，以证明他们使用信贷的正当性。连同结构性因素，这发展了从分离到入籍的债务评估，