you aren't going to know a woman's credit like that, but what you WILL notice is the frequency of which she asks you for favors. If you're with a woman and she asks you for favors all the time or asks you to pay some of her bills, get out of there. No responsible adult asks another adult to pay their bills unless they are a manipulator. Say no to rent, telephone, and all of that.
Men have to stop being scared of offending women. That's why you have standards and principles, so you can know when you are in the right or the wrong. It's wrong for another grown adult to ask someone else to pay their bills, especially if they just met them. So in this case, you would absolutely be right in telling her no, I don't have any money to help you pay your bills... and if she got offended, let her throw her little tantrum while you get out of there.
In regards to the whole dinner issue, there's nothing wrong with choosing to take a woman to dinner, but if she CHARGES you, or in other words if she won't see you without you deciding to take her to dinner, that's when you don't deal with her. In fact, taking her to a restaurant can tell you a lot of things. Firstly, don't take her to an expensive restaurant to 'impress' her. Take her to a lower priced one and see if she declines. If she does, that's time saved. If she doesn't, its one sign that at least she's possibly there to know YOU and not for a free meal. Secondly, see if she brings her purse. If she doesn't, that's a sign of a woman to boot. That is inconsiderate. If she offers to pay her own portion, that's a plus in the book for her. Third, see how she orders. If she goes to order the most expensive thing on the menu or huge quantities of food, she has little consideration for you and should immediately be avoided after this encounter. It shows that when she is done a favor, she isn't gracious and doesn't plan to be reasonable, but will attempt to get as much out of it as possible. This is the type of woman that will try to manipulate you in a variety of ways or will really try to stick it to you in the event of a break-up.
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