Why, as a consumer, should i be concerned if my credit card rating falls?

You start getting Bad credit with that you can get to the point where you can't even get a car!!

Sheet stain on pee wee's sheets

An informal structure in a bureaucracy would be something like so-called "office politics". where there's a formal structure set up for the organization, but then an informal subculture as well that has a way of organizing the bureaucracy further. this can be positive because it sets up an added degree of organization, albeit informal, within the bureaucracy.