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4.1-4.4 Vocab

Truth in Lending Act A law that offers protection if a credit card is lost or stolen
debit card A card that acts as an electronic check and is not a credit or a charge card.
average daily balance The average amount owed per day during a billing cycle.
principal The balance, or amount of money, in an account, or amount borrowed.
finance charge The interest that is charged to a buyer when paying for a purchase or service over time.
collateral Security, such as a personal belonging, car or boat title, CD,stock certificates, that insures a loan will be repaid.
annual percentage rate The interest rate paid per year or charged per year.
FICO score A score that summarizes the probability that a debtor will pay a debt and is a reliable way that creditors judge credit worthiness.
debtor Organization or person who uses credit.
creditor Organization or person who extends credit to debtors.
Created by: akominiarek