This is the 18702nd most frequent Korean word.
신용불량자가
A "person with bad credit" or "credit delinquent."
This sentence explains that he has become a '신용불량자', illustrating its use as a noun indicating a person with bad credit.
그는 신용불량자가 되어서 대출을 받을 수 없습니다.
Since he became a credit delinquent, he cannot take loans.
Here, '신용불량자' is understood as a condition or label, emphasizing the social or official status of bad credit recorded.
신용불량자라는 딱지를 떼기 위해서는 꾸준히 빚을 갚아야 합니다.
To remove the label of being a credit delinquent, one must consistently pay off debts.
In this case, '신용불량자' represents individuals who have financial difficulties but are carrying on with their activities despite challenges.