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Argylls Credit CGS

Argylls Credit Chapter 8

Grace Period A time period which no finance charges will be added to your account
Finance Charge The total dollar amount you pay to use credit
Debit Card Electronically subtracts money from your checking or savings account
Credit Card A card that allows you to puchase items and pay them back later
Commercial Bank types of loans (6) Single- payment loan, personal installment loans, passbook loans, credit card loans, check- credit loans, second mortgages
Net Income The amount of income you receive (take home pay, allowance, gifts...)
APR Annual Percentage Rate
Collateral A form of security to help guarantee that the creditor will be paid
Simple Interest The interest computed only on the principal you borrow
Minimum Monthly Payment The smallest amount you can pay and still remain a borrower in good standing
Five C's of Credit Character, Capacity, Collateral, Capital, and Conditions
Credit Rating A measure of a person's ability and willingness to make credit payments on time
ECOA Equal Credit Opportunity Act
Credit Bureau An agency that collects information on how promptly people and businesses pay their bills
Credit File Name, address, Social Security Number, date of birth, employers, spouse
How to protect YOUR identity Keep track of credit, shred old documents, keep records of your card numbers
Dealing with stolen identity Contact fraud departments, contact creditors, file police report
Imposters People who deceive others by assuming different identities, use your name, credit credit card number, and other personal information
CCCS Consumer Credit Counseling Service
FDCPA Fair Debt Collection Practices Act
Created by: Chloegsolms