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PCS Personal Fin

Personal Finance Key Terms Ch. 4

annual fee a yearly fee that's charged by the credit card company for the convenience of the credit card
annual percentage rate (APR) cost of borrowing money on an annual basis; takes into account the interest rate
credit card type of card issued by a bank that allows users to finance a purchase
credit report a detailed report of an individual's credit history
credit score a measure of an individual's credit risk; calculated from a credit report using a standardized formula
debt snowball preferred method of debt repayment; includes a list of all debts organized form smallest to largest balance; minimum payments are made to all debts except for the smallest, which is attacked with the largest possible payment
depreciation a decrease or loss in value
introductory rate an interest rate charged to a customer during the early stages of a loan; the rate often goes up after a specified period of time
loan term time frame that a loan agreement is in force, and before or at the end of which the loan should either be repaid or renegotiated for another term
tax deduction an expense, such as a charitable contribution, that can be deducted from one's taxable income
Created by: Ms.Sala