I don't even know what that means. People who get credit have to get it from somewhere. Does a credit bubble mean that people save too much during that period? I don't know what a credit bubble means. I don't even know what a bubble means. These words have become popular. I don't think they have any meaning.
They don't want you until you have made a name, and by the time you have made a name, you have developed some kind of talent they can't use. All they will do is spoil it, if you let them.