SM4-1: Credit Card Application (version 1)

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1 SM4-1: Credit Card Application (version 1) SM4-1: Credit Card Application (version 1) pg. 1 of 2

2 SM4-1: Credit Card Application (version 1) continued SM4-1: Credit Card Application (version 1) pg. 2 of 2

3 SM4-1: Credit Card Application (version 2) SM4-1: Credit Card Application (version 2) pg. 1 of 2

4 SM4-1: Credit Card Application (version 2) continued SM4-1: Credit Card Application (version 2) pg. 2 of 2

5 SM4-1: Credit Card Application (version 3) SM4-1: Credit Card Application (version 3) pg. 1 of 2

6 SM4-1: Credit Card Application (version 3) continued SM4-1: Credit Card Application (version 3) pg. 2 of 2

7 SM4-2: Impact of Different Loan Factors Purpose: Compare factors that impact the cost of credit. Use what you have learned about interest to calculate the finance charges for the loan amounts listed. Directions: Using a financial function calculator or loan calculator from the Internet, complete the chart for the following loans. Loan Balance Interest Rate Monthly Payment Loan Length Finance Charge $5,000 10% 4 years $5,000 10% 6 years $5,000 12% 6 years $5,000 12% $200 $1,000 8% 2 years $1,000 19% $20 $1,000 12% 5 years Name Date SM4-2: Impact of Different Loan Factors pg. 1 of 1

8 SM4-2: Impact of Different Loan Factors (Instructor) Purpose: Compare factors that impact the cost of credit. Use what you have learned about interest to calculate the finance charges for the loan amounts listed. Directions: Using a financial function calculator or loan calculator from the Internet, complete the chart for the following loans. Loan Balance Interest Rate Monthly Payment Loan Length Finance Charge $5,000 10% $127 4 years $1,096 $5,000 10% $93 6 years $1,696 $5,000 12% $98 6 years $2,056 $5,000 12% $ months OR 2 yrs. & 5 mos. $800 $1,000 8% $45 2 years $80 $1,000 19% $ months OR 8 yrs. & 4 mos. $1,000 $1,000 12% $22 5 years $320 SM4-2: Impact of Different Loan Factors (Instructor) pg. 1 of 1

9 SM4-3: Automobile Loan Disclosure Statement (Use with Exercise 4D: On the Go Getting New Wheels) The following automobile loan rates are provided by ABC Credit Union as of X/XX/20XX and are subject to change without notice: Type of Vehicle Loan Term (months) Up to 72 New vehicle Used vehicle purchased from a dealer Used vehicle purchased from a private party 5.99%* 6.55%* 8.25%* 6.25%* 6.85%* 8.45%* 6.42%* 7.10%* 8.85%* 6.59%* 7.39%* 9.25%* *Annual percentage rate; rate assumes that 80% of the vehicle cost is financed. ABC Credit Union may apply higher rates on applications with higher indications of credit risk. We reserve the right to adjust rates based on applicant credit history and credit score. To finance up to 100% of the purchase price of a new auto, call ABC Credit Union at for rates. We also can provide more information about (1) how to calculate your monthly payment for different loan amounts and APRs, and (2) fuel economy data for new and used vehicles. For more help purchasing a vehicle, call ABC Credit Union. You can apply online or pick up a loan application at any ABC Credit Union office. Or call to have an application faxed to you. IMPORTANT DISCLOSURES: THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT ABC CREDIT UNION S CRED- IT LOANS. PLEASE READ IT CAREFULLY, AND KEEP A COPY FOR YOUR RECORDS. 1. Please note that rates and terms are subject to change. The rates shown here are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If any of these terms other than the APR change before you have signed the loan papers and as a result you decide not to obtain the loan, you would be entitled to a refund of any fees that you paid in connection with your application. 2. Interest rates are fixed. Please ask your credit union representative for a calculation of your monthly loan payments. 3. You warrant that the information provided on your application and any attachments accurately represents your current financial condition. You also warrant that you will notify ABC Credit Union in writing immediately if any important changes to your financial condition occur. 4. You understand that any false or willful overevaluation of any land, property, or security for the purpose of influencing in any way the action of any federal credit union upon any loan application is a violation of Section 1014, Title 18, U.S. Code. 5. You authorize ABC Credit Union to request information about your creditworthiness from credit reporting agencies (CRA), both now and in connection with updates, renewals and later extensions. If you request, we will notify you if such information has been obtained. If we need to take adverse action on your account as a result of information obtained from a CRA, we will notify you of that fact and provide you with the name and address of the CRA. 6. You warrant that ABC Credit Union owns a security interest in any financed automobile until the loan is paid in full. You agree to keep the automobile fully insured against theft, loss, damage, and other risks, and to pay premiums for insurance coverage. You further agree to make payments when due. SM4-3: Automobile Loan Disclosure Statement pg. 1 of 1

10 SM4-4: Please Correct My Credit Report [Sender s mailing address] [Sender s city, state, zip code] [Date] [Recipient s Name] [Recipient s Company] [Recipient s mailing address] [Recipient s city, state, zip code] Dear [Recipient Name]: [Paragraph #1: In 1 2 sentences provide a summary of why you are writing the letter. Be polite, and briefly explain what is wrong or inaccurate.] [Paragraph #2: Provide details of what is wrong or inaccurate. Be sure to include dates and amounts.] [Paragraph #3: In a non-threatening manner, state specifically what needs to be done to correct the situation.] Sincerely, [Sender s signature] [Sender s full name typed] [Sender s phone number] [Optional: Sender s address] Attachment(s): [List any supporting evidence that is enclosed with the letter. Only include COPIES of documents so you keep the originals.] Business Letter Formatting Guidelines Keyed in a professional-looking font 10- or 12-point font 2" top margin 1" side margins Single-space paragraphs Double space between paragraphs SM4-4: Please Correct My Credit Report pg. 1 of 1

11 Assessment 4-2: Evaluation Short Answer (18 pts.): Read each item carefully; then write an answer based on what you learned about using and managing credit. Each question is worth 3 pts. 1. When you are shopping for a loan to buy a car, what are three questions you should ask the lender? a. b. c. 2. List at least three types of information you will need when you apply for credit. a. b. c. 3. Marcus opened his cell phone bill to find that his charges were nearly double ($55.75) what he typically pays each month for phone service ($29.99). After a closer review, he sees that the company expanded his phone plan. The monthly rate increased along with his phone minutes. He didn t request that his phone plan be changed, and he wants to keep his current basic plan because it fits into his budget. He needs to write a letter to the company to correct the situation so his credit is not affected if he doesn t pay the full amount due. What are three essential pieces of information to include in his letter to the phone company? a. b. c. 4. List three strategies you can implement over the next five years to build a good credit history. a. b. c. 5. While Jake was laid off from his job, he was stressed because his debt continued to grow when his income was decreased. Jake is now is working full time. He wants to set up a plan to reduce his debt. Help him prioritize the debt he needs to pay off. Rank the following to show which should be paid off completely first (#1), second (#2), and third (#3). Priority Debt Bank credit card balance = $1,100 Minimum monthly payments = $25 APR = 12.5% Gas credit card balance = $900 Minimum monthly payments = $20 APR = 18.2% Motorcycle loan balance = $3,000 Monthly payments = $230 APR = 7% Score /50 Name Date SM4-5: Assessment 4-2 Evaluation pg. 1 of 4

12 6. Ty just graduated from college, and he has decided to move to New York to pursue an acting career. While attending college, Ty worked various part-time jobs to pay for his college fees and living expenses. His move will be easy because he only needs to move the few items he owns: laptop computer, printer, video game equipment, bike, clothing, and personal items. For the past two years, Ty s three roommates would give him what they owed for utilities and rent. Ty took on the responsibility to ensure the bills were paid on time. How do you think a potential New York landlord would rate Ty s creditworthiness? Using what you have learned about the 4 C s of Credit, indicate whether Ty adequately or inadequately meets three of the C s below. Write one sentence to explain your decision. Criteria Capital Adequate (+) or Inadequate (-) Explanation Character Capacity Multiple Choice (15 pts.): Read each item carefully; then select the best answer. Each answer is worth 1 pt. 7. When items are bought on credit and paid for over a long period of time, the cost to the buyer a. is the same as if the items were bought with cash. b. Is less than if the items were bought with cash. c. Is more than if the items were bought with cash. 8. The maximum amount you can charge on a credit card is called the a. credit limit. b. capacity. c. collateral for the card. d. credit ratio. 9. Excluding a mortgage payment, what is the maximum percentage of take-home pay that should go toward loan payments? a. 10 percent b. 20 percent c. 25 percent d. 33 percent 10. Which of the following statements relates to the universal default clause? a. If you miss one car loan payment, your car can be repossessed. b. Someone who files bankruptcy must still pay any student loans. c. A minor may need an adult to co-sign a loan. d. If you are late with any loan payment, a credit card company may increase your interest rate. 11. Which is not a type of credit? a. Car loan b. Car registration c. Gas company credit card d. House mortgage 12. Matt is preparing to buy a car. The total cost for the sale, including taxes and registration, is $12,000. He agreed to make a $1,500 down payment. He signed a three-year loan for the balance at 8 percent interest. How much will he pay per month to repay the loan over the next three years? a. $ a month b. $ a month c. $ a month d. $ a month SM4-5: Assessment 4-2 Evaluation pg. 2 of 4

13 13. Madeline is comparing her options to borrow $5,000 to buy inventory and equipment for her new sub sandwich shop. Which loan appears to be the best deal? a. 7% interest loan due in two years b. 8% interest loan due in 18 months c. 10% interest loan due in one year 14. Suki wants to move into her own apartment after graduating from high school, but she is worried that she won t be able to rent an apartment without significant credit history. What can Suki do to start using credit wisely? a. Rent an apartment with a friend who will sign the lease b. Apply for a store credit card c. Apply for several major credit cards d. Close her checking account to avoid bouncing a check 15. Which of the following agencies provide free credit reports for consumers? a. Equifax, credit unions b. Credit unions, your bank c. Experian, Credit Reports Association d. TransUnion, Experian e. None of the above; you must pay a fee for any credit report 16. Credit experts recommend that you check the status of your credit reports at least a. every time you apply for a loan or credit card. b. when you apply for your first loan or credit card. c. once a year. d. once every five years. 17. Who may review your credit report? a. Your parents after you are 18 years old b. Your current employer c. The car salesperson you talked to when you inquired about a loan to buy a car d. Your doctor 18. Under the Fair Debt Collection Act, creditors are allowed to do all but which one of the following actions? a. Hire a collection agency to collect what you owe b. Call any co-signer of a loan c. Send you a second notice of what you owe d. Charge an additional debt collection fee 19. Of the following, which is the best strategy to reduce excessive debt? a. Pay off loans with the highest interest rate b. Make regular minimum payments on each loan and credit card until the balances are paid c. Use one large loan to pay off all of the other debts d. File Chapter 7 bankruptcy 20. Which of the following can impact your credit rating? a. Borrowing money from a friend to pay for lunch b. Living with your parents until you earn enough money to afford to rent an apartment c. Paying cash for a used car d. Making a late car loan payment 21. What rights must lenders respect according to the Truth in Lending Act? a. You have the right to the lowest possible interest rate when you apply for credit. b. You have the right to know why you were turned down for a loan. c. You have the right to cancel any loan agreement within 10 days of signing the loan. d. You have the right to change the loan terms. SM4-5: Assessment 4-2 Evaluation pg. 3 of 4

14 Matching (17 pts.): 22. Match each situation described below with whether it is an appropriate or inappropriate use of credit by placing a check in the correct column. In the right column, write at least one sentence to justify your answer. Each situation is worth 2 pts. Situation Appropriate ( ) Inappropriate ( ) Reason 1-year loan to buy a mountain bike Borrow $5,000 to pay for a wedding reception Use store credit to buy a new refrigerator to replace one that no longer is working properly 5-year loan for used car Set up a 6-month payment plan to pay hospital fees for X-rays from an accident Read each statement carefully. Select the term that best matches the statement by writing the letter of the matching term in the box. Each response is worth 1 pt. 23. Total percentage it costs you yearly to use your credit. 24. A period of time allowed in which you can pay off new purchases, if there is no old balance, without being charged interest. 25. Payment (rent) you make for the use of another s money. 26. Amount you owe with an obligation to pay back. 27. Amount of financial trust (principal) extended to you by a lender. 28. Something of value that lenders can repossess if you are unable to repay a loan as promised. 29. Taking into consideration your work history when deciding if you are creditworthy. a. Annual Fee b. Annual Percentage Rate (APR) c. Capacity d. Capital e. Collateral f. Credit g. Debt h. Finance Charge i. Grace Period j. Interest k. Loan Term SM4-5: Assessment 4-2 Evaluation pg. 4 of 4

15 Assessment 4-2: Evaluation Answer Key Short Answer (18 pts.). Each question is worth 3 pts. 1. Award 1 pt. for each question that relates to any of the following: interest rate? APR? loan term? down payment requirement? penalties for early or late payments? [Objective C, pp ] 2. Award 1 pt. for any of the following: name, address, annual income, current debt, amount requested, Social Security number, date of birth, driver s license, employer address, monthly income, monthly debt payments, monthly rent or mortgage [Objective C; p. 47, 49] 3. Award 1 pt. for any details about the situation and request for specific, reasonable action: Marcus s name and address, phone number and/or account number, details about the inaccurate charge, request to return to the basic phone plan, request to credit the account for the overcharge, Marcus s signature [Objective G, pp ] 4. Award 1 pt. for each realistic strategy listed related to building capacity, character, capital, and collateral: pay bills on time (phone, rent, credit card, insurance premium, cable, Internet), avoid checking account overdrafts, build savings and other capital assets, earn a steady income [Objectives D, E; pp ] 5. [Objectives E, F; pp ] Priority #2. Pay off credit cards before loans to avoid late fees and the impact of compounded interest on the balance owed #1. The credit card balances are similar, but the gas card has a higher interest rate. Pay off credit cards before loans to avoid late fees and the impact of compounded interest on the balance owed #3. No urgency to pay balance early; the loan will not be due for another 13 months. Continue to make monthly payments Debt Bank credit card balance = $1,100 Minimum monthly payments = $25 APR = 12.5% Gas credit card balance = $900 Minimum monthly payments = $20 APR = 18.2% Motorcycle loan balance = $3,000 Monthly payments = $230 APR = 7% 6. [Objectives C, D, E; pp ] Criteria Capital Character Capacity Adequate (+) or Inadequate (-) Explanation At his young age, Ty hasn t accumulated many personal items of value that could be used to repay a large loan. Ty has a good reputation for paying his utility bills and rent on time. He has also used his checking account responsibly. Although Ty regularly received paychecks, he only worked at a variety of part-time jobs. Until he finds a job in New York, he won t have any income. Multiple Choice (15 pts.). Each answer is worth 1 pt. 7. c. Is more than if the items were bought with cash [Objective A, pp ] 8. a. credit limit [Objective A, p. 44] SM4-5: Assessment 4-2 Evaluation (Instructor) pg. 1 of 2

16 9. a. 10 percent [Objective E, p. 53] 10. d. If you are late with any loan payment, a credit card company may increase your interest rate. [Objective A, p. 45] 11. b. Car registration [Objective A, pp ] 12. d. $ a month [$12,000 cost $1,500 down payment = $10,500 borrowed x.08 = $840 annual interest x 3 years = $2,520 total interest + $10,500 = $13,020 total loan/ 36 months = $ a month] [Objectives A, C; pp. 42, 44, 47] 13. c. 10% interest loan due in one year [lowest interest $5,000 x.10 = $500 total interest] [Objectives A, C; pp. 42, 44, 47] For purposes of comparison, here are the calculations for the incorrect answers: a. 7% interest loan due in two years [$5,000 x.07 = $350 x 2 years = $700 total interest] b. 8% interest loan due in 18 months [$5,000 x.08 = $400 x 1.5 years = $600 total interest] 14. b. Apply for a store credit card [Objectives D, E; p. 50] 15. d. TransUnion, Experian [Objectives D, F, G; p. 49] 16. c. once a year [Objectives D, E, G; p.49] 17. c. The car salesperson you talked to when you inquired about a loan to buy a car [Objective D, E, G; p. 49] 18. d. Charge an additional debt collection fee [Objective F, p. 56] 19. a. Pay off loans with the highest interest rate [Objective F, pp ] 20. d. Making a late car loan payment [Objective D, pp. 47, 49 50] 21. b. You have the right to know why you were turned down for a loan. [Objective F, p. 56] Matching (17 pts.). 22. Each situation is worth 2 pts: 1 pt. for the correct choice; 1 pt. for a suitable justification. [Objectives A, B, E; pp , 52 53] Situation Appropriate ( ) Inappropriate ( ) Reason 1-year loan to buy a mountain bike Loan too long for value of purchase Borrow $5,000 to pay for a wedding reception Better to save money in advance to pay rather than have loan payments to make after the wedding is over Use store credit to buy a new refrigerator to replace one that no longer is working properly Buy now and pay later for an unexpected large expense 5-year loan for used car Loan too long for value of purchase Set up a 6-month payment plan to pay hospital fees for X-rays from an accident Acceptable to use for unexpected emergencies Each of the following responses is worth 1 pt. 23. b. APR [Objective. A, p. 44] 24. i. Grace Period [Objective A, p. 44] 25. j. Interest [Objective A, p. 44] 26. g. Debt [Objective A, p. 44] 27. f. Credit [Objective A, p. 44] 28. e. Collateral [Objective C, p. 47] 29. c. Capacity [Objective C, p. 47] SM4-5: Assessment 4-2 Evaluation (Instructor) pg. 2 of 2

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