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budget and Banking

Annual Fee a yearly fee that you pay for the ability to use that card
Annual Percentage Rate (APR) a charge or any fee associated with a transaction
Balance Transfers a transfer of amount of money from one credit card to another credit card
Bankruptcy completely no money in your account
Cash Advances service provided by most credit card and charge card issuers, allows cardholders to withdraw cash
Co-Signer to make payment on the other person's debt should that person default
Courtesy Checks credit card account that can be used for purchases or cash advances, as long as the credit limit on the card is not exceeded
Credit Bureau company that collects information relating to the credit ratings of individuals and makes it available to credit card companies, financial institutions, etc.
Credit Card a small plastic card issued by a bank, business; allowing the holder to purchase goods or services on credit
Credit History a record of a consumers ability to repay debts and demonstrated responsibility in repaying debts
Credit Limit the maximum amount a credit card company will allow someone to borrow on a single card
Credit Report a detailed report of an individuals credit history
Credit Score a number assigned to a person that indicates to lenders their capacity to repay a loan
Debt money that is owed or due
Finance Charge fee representing the cost of credit, or the cost of borrowing
Grace Period allows payment to be received for a certain period of time after the actual due date
Interest Rate the proportion of a loan that is charged as interest to the borrower
Introductory Rate is an interest rate charged to a customer during the initial stages of a loan
Late Payment Fee the borrower gets charged for missing payment, at least their minimum
Lender a person that lends money
Line of Credit an amount of credit extended to a borrower
Over-the-limit Fee charged by a lender if the outstanding balance on a credit card exceeds the credit limit.
Pre-approved after the evaluation of a potential borrower, the borrower qualifies for a loan from the lender
Principle an amount of money that is lent, borrowed, or invested, apart from any additional money such as interest
term specify the period allowed to a buyer to pay off the amount due
Created by: ksno