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WHS Finance 6.03

Personal Finance

Annual fee A yearly fee that may be charged for having a credit card
Annual percentage rate (APR) The cost of credit expressed as a yearly interest rate
Balance transfers The act of transferring debt from one credit card account to another
Credit card A plastic card that you can use to access a line of credit that has been established in advance
Credit limit The maximum dollar amount that can be borrowed Introductory rate The APR charged during the credit card's introductory period after a credit card account is opened
Late payment fee Fee charged when a credit card holder does not make the minimum monthly payment by the due date
Over‐the‐limit fee Fee charged if the credit card account balance goes over the set credit limit
Penalty APR The interest rate charged on new transactions if the penalty terms in the credit card contract are triggered
Pre‐approved When someone has passed an initial credit history check
Returned payment fee Fee charged if the cardholder makes a payment but does not have enough money in that account to cover the payment
Schumer Box Terms and fees of a credit card in an easy to read box on all credit card applications and solicitations
Variable‐rate APR An APR that may change depending on other factors
Created by: VNelsonWHS