Credit control area

Hi friends,

Can anyone tell me the relevance of giving credit control area in customer master? Even If we dont give the credit control area in customer master. Credit check is working as we maintained the data in FD32. Moreover I am not able to get the field of assigning credit control area in customer master. So tell me will there be any impact if I dont assign this credit control area in customer master and also tell me how to get the field of assigning this credit control area in customer master.

Regards

Ramesh