4 4 Credit Cards.notebook January 15, Using your learning device to help you, list at least five major credit card companies.
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1 Warm-up: Using your learning device to help you, list at least five major credit card companies. Warm-up: Using your learning device to help you, list at least five major credit card companies.
2 Objectives Become familiar with the basic vocabulary of credit cards. Compute an average daily balance. Key Terms credit card impulse buying revolving charge account charge card Truth in Lending Act Fair Credit Billing Act Fair Debt Collection Practices Act debit card Electronic Funds Transfer Act average daily balance mean
3 Vocabulary: impulse buying revolving charge account when a consumer purchases something to which they suddenly were attracted to and had no intention of buying. An account where the entire bill does not have to be paid in full each month. There is a minimum monthly payment, and there is a finance charge the month following any month the bill is not paid in full. Truth in Lending Act This act protects you if your card is lost or stolen. If this happens, notify the creditor who issued the card immediately. You may be partially responsible for charges made by unauthorized users of cards you lose. The maximum liability is $50. You are not responsible for any charges that occur after you notify the creditor. Credit card vs. Charge Card vs. Debit Card A credit card is a plastic card that entitles its holder to make Credit Card purchases and pay for them later. A charge card is a special type of credit card. It allows the cardholder to make purchases in places that accept the card. The monthly bill for all purchases must be paid in full. Charge There is no Card interest charged. Popular charge cards used today include Diner s Club and certain types of American Express cards. Most people informally use the words charge card and credit card interchangeably. A debit card is not a credit or charge card, because there is no creditor extending credit. If you open a debit account, you deposit money into your account, and the debit card acts like an electronic check. You are deducting money directly from your account each time you make a purchase using the Debit Card debit card. You cannot make purchases that exceed the balance in your debit card account. Keeping a record of your debit card activity is exactly like keeping the check register
4 Think & Discuss What do I need to know to use credit cards? What are the monthly responsibilities of a credit card holder? Why might a customer prefer to shop at a store that accepts credit cards over a store that does not accept credit cards? cards/
5 Revolving credit cards can have high interest rates, so it is important to verify that the finance charge on your monthly statement is correct. APR Credit Card Quiz using your BYLD complete the quiz with the link below. finance/debt management/credit cardquiz.htm Importance of Your Credit Score Quiz score/
6 night live/video/dont buy stuff/27169/
7 Answer $50, the maximum liability under the Truth in Lending Act.
8 Answer 12x The average daily balance is the average of the amounts you owed each day of the billing period. It changes due to purchases made and payments made.
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10 Finance charges are not charged if, in the previous month, the revolving credit card bill was paid in full. If you pay your card in full every month, you will never pay a finance charge.
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12 HW p.197 #2-5 & 8
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