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Credit Cards

TermDefinition
Annual Fee A yearly fee that may be charged by credit card issuers
Annual Percentage The annual rate that is charged for borrowing that is expressed by a single percentage
Rate (APR) The annual rate that is charged for borrowing
Balance Transfers Where part or all of a debit balance you owe to another lender is transferred from one credit card to another
Bankrupcy A legal proceeding initiated by an individual or company that is unable to pay its debts
Cash Advances A service provided by most credit card and charge card issuers
Co-Signer The act of signing for another person's deb which involves a legal obligation made by the cosigner
Courtesy Checks
Credit Bureau A company that collects information relating to the credit ratings of individuals and make sit available to credit
Credit Card A small plastic card issued by a bank, business, etc... allowing the holder to purchase goods
Credit History A record of a borrower's responsible repayment of debts.
Credit Limit The maximum amount a credit card company will allow someone to borrow
Credit Report A detailed report of an individual's credit history
Credit Score A number assigned to a person that indicates to lenders
Debt Money that is owed or due
Finance Charge Any fee representing the cost of credit, or the cost of borrowing
Grace Period Allotted amount of time during which you are not expected to make payments on your student loans
Interest Rate The proportion of a loan that is charged as interest to the borrower
Introductory Rate An interest rate charged to a customer during the initial stages of a loan
Late Payment Fee Charged to a borrower who misses paying at their least minimum payment
Lender An organization or person that lends money
Line of credit An amount of credit extended to a borrower
Over-the-limit fee A fee charged by a credit card company if a credit card exceeds its limit
Pre-Approved An evaluation of a potential borrower by a lender
Principle The amount borrowed or the amount still owed
Secured Loan A loan in which the borrower pledges some asset
Term A fixed or limited period for which something lasts or intended to last
Created by: droehner19