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credit cards

annual fee a fee that's automatically charged once a year to your credit card account for the benefits that come with that credit card.
annual percentage rate (APR) the interest rate for a whole year
balance tranfers moving the outstanding debt from one piece of plastic to another card
bankruptcy the state of being completely lacking in a particular quality or value.
cash advances a service provided by most credit card and charge card issuers.
co-sign The act of signing for another person's debt which involves a legal obligation made by the cosigner to make payment on the other person's debt should that person default.
courtesy checks a credit card user can use the checks to access the credit limit available on the card as easily as he or she could access funds from a checking account.
credit bureau a company that collects information relating to the credit ratings of individuals and makes it available to credit card companies, financial institutions, etc.
credit card a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit.
credit history a record of a borrower's responsible repayment of debts.
credit limit the maximum amount of credit a financial institution extends to a client through a line of credit as well as the maximum amount a credit card company allows a borrower to spend on a single card.
credit report a detailed report of an individual's credit history.
credit score a number assigned to a person that indicates to lenders their capacity to repay a loan.
debt the state of owing money.
financial charge any fee representing the cost of credit, or the cost of borrowing.
grace period the provision in most loan and insurance contracts that allows payment to be received for a certain period of time after the actual due date.
interest rate the amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets.
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 least their minimum payment by the payment deadline.
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 when your balance goes over your credit limit
pre-approved an invitation to apply for the credit card rather than a firm offer for the credit card.
principle a person legal or natural–who authorizes an agent to act to create one or more legal relationships with a third party.
secured loan a loan in which the borrower pledges some asset as collateral for the loan
term a loan from a bank for a specific amount that has a specified repayment schedule and a fixed or floating interest rate.
Created by: tgates19