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Argylls 8 M.H.H.

Credit An arrangement to receive cash, goods, or services now and pay for them later
Consumer Credit Use of credit for personal needs
Creditor An entity that lends money
Closed-End Credit A one time loan that you will pay back over a specific amount of time
Open-End Credit A loan with a certain limit on the amount of money you can borrow for a variety of goods and services
Line of Credit The maximum amount of money a creditor will allow a credit user to borrow.
Grace Period A time period during which no finance charges will be added to your account
Finance Charge The total dollar amount you pay to use credit
Net Income The income you receive
Annual Percentage Rate The cost of credit on a yearly basis, expressed as a percentage
Collateral A form of security to help guarantee that the creditor will be repaid
Simple Intrest The interest computed only on the principal
Minimum Monthly Payment The smallest amount you can pay and remain a borrower in good standing
Credit Rating A measure of a person's ability and willingness to make credit payments on time.
Cosigning A loan that means that you agree to be responsible for the loan payments if the other person fails to make them.
Bankruptcy A legal process in which some or all of the assets a debtor are distributed among the creditors on an installment basis
Debit Cards A card that allows you to electronically subtract money from their checking or savings accounts
Cobranding The linking of a credit card with a business trade name offering "points" or "premiums" toward the purchase of a product or service
Smart Card A plastic card equipped with a computer chip that can store 500 times as much data as a normal credit card.
Store-Value Cards A type of debit card, using technology to store information and track funds.
Created by: mhhobbs