Draft a Case Study with the topic about Spending and Credit. NO PLAGIA. This is from a business subject. The format is given below:

1. Statement of the Problem (SOPs)- at least two (2) situational problems and list them accordingly.
2. Course of Action- The Course of Actions should be aligned and listed accordingly to the SOPs. The same goes to the Solution and Recommendation.
3. Solution and Recommendation- For the solutions and recommendations, explain thoroughly and elaboratively.

Country is: Philippines (if ever you need this information.)

Please NO to simple/short explanations. This is a case study. Thank you.