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Argylls ch. 8 CJS

Argylls ch. 8 CS

Credit An arrangement to receive cash, goods, or services now and pay for them in the future.
Consumer Credit The use of credit for personal needs.
APR Annual Percentage Rate
Creditor an entity that lends money.
Closed-end credit Credit as a one-time loan that you will pay back over a specified period of time in payments of equal amounts.
Open-end Credit Credit as 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.
Collateral A form of security to help guarantee that the creditor will be repaid
Simple Interest The interest computed only on the principal.
Minimum Monthly Payment The smallest amount you can pay and still remain a borrower in good standing.
Credit Rating A measure of a person's ability and willingness to make credit payments on time.
ECOA Equal Credit Opportunity Act
FCBA Fair Credit Billing Act
Three things you should do if you feel your identity has been stolen. Contact the credit bureaus, contact the creditors, file a police report.
If you purchase a defective item and the store will not accept a return you should... tell your credit card company to stop payment because you made a sincere attempt to resolve, or clear up, the problem.
To protect your card, you should take the following actions: Be sure that your card is returned to you after you make a purchase and keep a record of your credit card numbers.
Cosigning The agreement to be responsible for the loan payments if the other person fails to make them.
Created by: cartersmith2