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Credit 1-15

Total questions: 16

Worksheet time: 8mins

Name
Class
Date
1.
What does APR stand for?
a)
American Peoples Reports
b)
Annual Progress Report
c)
American Percentage Rate
d)
Annual Percentage Rate
2.
Total interest you are charged each year on what you owe a credit card company
a)
Annual Percentage Rate (APR)
b)
Annual Fee
c)
Interest
d)
Debt
3.

What allows consumers to pay the manufacturer to purchase a car instead of going through a bank

a)

Apr

b)

Auto finance company

c)

5 cs of credit

d)

Cash advance

4.

What is the amount remaining on an account

a)

Balance owed

b)

APR

c)

Cash advance

d)

Collateral

5.

What is a business / financial institution that stores and manages money for individuals and other businesses?

a)

A Bank

b)

Credit card company

c)

Auto finance company

6.

What is bankruptcy?

a)

when you cancel a credit card

b)

legal process declaring yourself unable to pay debts

c)

deciding who gets your money when you die

d)

when you make a late payment

7.

"fresh start"

a)

bankruptcy chapter 7

b)

bankruptcy chapter 11

c)

bankruptcy chapter 13

8.

reorganization for a business

a)

bankruptcy chapter 7

b)

bankruptcy chapter 11

c)

bankruptcy chapter 13

9.

reorganization for an individual

a)

bankruptcy chapter 7

b)

bankruptcy chapter 11

c)

bankruptcy chapter 13

10.

The cash received when money is borrowed on a credit card. Typically involve special fees and higher interest rates than when used for purchases.

a)

Cash Advance

b)

Balance

c)

Minimum Payment

d)

Loan

11.

a credit card for use with an account that must be paid when a statement is issued

a)

debit card

b)

gift card

c)

charge card

12.

property used to assure the payment of a loan.

a)

loan

b)

debt

c)

collateral

d)

expense

13.

You get a loan from only once source to pay for all of your loans. This is called:

a)

an offsetting loan

b)

a debt-consolidation loan

c)

a single-payment loan

14.
Most Consumer Credit Counseling Services (CCCS):
a)
A.  Charge a fee for setting up a basic budget
b)
B.  Charge a fee for setting up and administering a debt repayment plan
c)
C.  Charge a fee for educating consumers about managing their debts
d)
D.  Do not charge a fee for any of their services
15.

Which of the following statements is true about consumer Debt?

a)

Debt is the amount of money you have in your checking account.

b)

Debt that is incurred by a individual primarily for the purchase of goods and services

c)

Debt is the ability to borrow money.

d)

Debt is the amount of money you have in a savings account.

16.
Someone who agrees to pay back your loan if you default
a)
Co-Signer
b)
Joint Applicant
c)
Individual Applicant