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credit cards, report

annual fee Fee charged by a credit card company each year for use of a credit card
annual precentage rate charged for borrowing or earned through an investment, and is expressed as a percentage that represents the actual yearly cost of funds over the term of loan.
rate (APR) Annual percentage rate describes the interest for a whole year, rather than just a monthly fee.
Balance transfers When you pay off the balances on existing cards or loans by transferring them to another credit card account.
bankruptcy A legal status of a person or other entity that cannot repay the debts it owes to creditors.
cash advances A service provided by most credit card and charge card issues. The service allows cardholders to withdraw cash.
co-signer Someone who guarantees that if the borrower cannot pay back the loan, they will be legally responsible to pay back the debt.
courtesy checks Credit card account that can be used for purchases or cash advances, as long as the credit limit on the card not exceeded.
credit bureau collection agency that gathers account information from various creditors and provides that information to a consumer.
credit card Enables the cardholder to pay a merchant for goods and services , based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other agreed charges.
credit history Record of a borrower's responsible repayment of debts.
credit limit Maximum amount of credit a financial institutuion extends to a client.
credit report Detailed report of an individual's credit history. The reports are based on credit history.
credit score Numerical expression based on a level analysis of a person's credit files.
debt Money that is owned or due.
finance charge Any fee representing the cost of credit, or the cost of borrowing.
grace period A period allowed for payment of a sum due or for compliance with law or condition.
interest rate The proportion of a loan that is charged as interest to the borrower, typically expressed as an annual percentage of the loan.
introductory rate A interest charged to a costumer during the initial stages of a loan. The rate can be as low as 0%.
late payment fee Charged to a borrower who misses paying minimum payments by the deadline.
lender A person or organization that lends money.
line of credit An amount of credit extended to a borrower.
over-the-limit fee A fee charged when your balance goes over your credit limit.
Pre- approved Evaluating a potential borrower by a lender that determines whether the borrower qualifies for a loan from the lender.
principle A proposition that serves as the foundation for a system of behavior for a chain of reasoning.
secured loan loan in which the borrower pledges some asset as collateral for the loan, which later becomes a secured debt owned to the creditor who gives the loan.
term Fixed period for something.
Created by: jeik17