The retail-banking expansion in Chile and the "democratisation" of credit: morals and mobility Alejandro Marambio-Tapia University of Manchester | School of Social Sciences | Department of Sociology alejandro.marambio-tapia@manchester.ac.uk Paper presented at BSA Conference, Birmingham, UK. 6-8 April 2016 Abstract This paper tries to address how Chilean households are dealing with the retail-led ędemocratisationĚ of credit that the neoliberal Chilean society has experienced from 15 years ago. Credit is seen here as a bundle of practices -banking credit cards, store cards, small loans, consumer credit, student loans, borrowing clubs, deferred payment shopping-, and tied to other practices related, as household budgeting. These practices are set in everyday lives of families, rather than in consumption ęfeverĚ or other accounts based on the idea of a sovereign consumer, or consumption as self-identity tool. Credit practices are in the middle of the encounter between domestic rationalities and subjectivities and financial instruments and carry householdĜs different knowledge, skills, meanings, valuation. Keywords Credit, Debt, Retail