Maybe you don't need a loan right now and you pay off your cards in full each month. Still, the credit crisis could quickly affect you. That's because these banks and major investors loan money to corporations. It is very standard for corporations to borrow money on a short-term basis to meet their operating expenses - including salaries. This isn't just an accounting problem: If your employer can't meet those payments, that means that you may not get your salary, or you may get laid off.
NEXT: Small businesses
Last updated September 30 2008: 4:33 PM ET