Credit rating of people does exist ?? Does credit rating like judging how people belong to exist? I always tried to judge things objectively ,however tonight my answer to article title will be positively confirmed and related to attitude instead of physical appearance. I have joined a self-learning system of English, and that's needed to pay. To somehow reason, when I was punctual on my appointment, teacher was not there via Skype yet, then I kept waiting and waiting, still nothing happened. Even worse was that when I was being off line, she logged on Skype, then she gave a "look like official apology ", then give me a smile icon。To be honest, I felt that she didn't respect the appointment we have made earlier, then I also gave a conclusion to myself that she doesn't deserve my respect and attention either any more. Just like dining outside at restaurant, once the taste of food is ruined,and the credit rating will be ruined in mind as well.