ࡱ> 241 bjbj$$ 4$F|F|>> >UWWWWWW${{ UU@@Ĕѡ:A0^^^${{^> ^: The Vocabulary of Credit Cards Affinity Credit Card - credit card offered jointly by two organizations, a credit card issuer and a professional association, special interest group or other non-bank company. Annual Fee - yearly fee paid to use some credit cards. Annual Percentage Rate (APR) - cost of carrying a balance on a loan for a year, equal to the amount owed in interest each month multiplied by 12. Available Credit- credit limit minus the current balance. Balance- total amount of money owed, including any unpaid balance from the previous months, new purchases, cash advances, and any charges. Balance Transfer - moving balances from one credit card to another. Bankruptcy - legal declaration of the inability to repay debts, viewed as a last resort. Billing Cycle - number of days between the last and current statement dates. Billing Statement - monthly bill from a credit card issuer that shows activity on an account. Cardholder Agreement - issuers written statement of terms and conditions relating to a credit card account. Cash Advance - instant loan from a credit card account. Cash Advance Fee - fee for cash advances in addition to normal interest charges. Charge Card - card requiring full payment of the balance by the due date. Consumer Credit Counseling Service (CCCS) - non-profit organization that provides free or low cost counseling and guidance to people experiencing financial difficulty. Co-signer - person who signs a credit card agreement with the primary applicant and is also responsible for repaying the balance of the debt. Credit bureaus or credit reporting agency (CRA) -company that collects and sells information about how people manage their debts. Credit Card Debt - total unpaid balances on all credit cards. Credit History - record of the way people manage their debts. Credit Limit - maximum amount you may owe on a credit card including purchases, cash advances, finance charges and fees. Credit Management - way a person handles the money they borrow from banks or credit issuers. Credit Report - information about how you pay bills and loans, how much credit you have, what your debts are, and other personal information to help lenders decide whether you are a good or bad credit risk. Credit Score - three-digit number ranging from 300-900, determining your ranking for credit risk. Debit Card - card allowing purchases to be paid for with funds immediately deducted from your financial account. Debt - amount of money owed. Deferred Payment - payment put off to a future date or extended over a period of time. Delinquent Account - payments have not been made according to the terms and conditions of the cardholder agreement. Due Date - day a payment is due to a creditor. Finance Charges - total amount paid to use credit including interest, all fees, premiums, etc. Fixed Interest Rate - interest rate changing only if the issuer notifies cardholders through an amended cardholder agreement with at least 15 days advance notice. Grace Period - interest-free time between the date of purchase and when that purchase appears on their statement if theres no outstanding balance on a credit card. Interest Rate - fee charged for money loaned. Joint Credit - credit based on the assets, income and credit history of both people applying. Late Payment - payment received after the due date. Late Payment Fee - fee charged when a payment is received after the due date. Minimum Monthly Payment - smallest amount that can be paid by the due date and still meet the terms of the cardholder agreement. National Foundation for Consumer Credit (NFCC) - non-profit organization dedicated to educating consumers in wise use of credit. Outstanding Balance - total amount owed on a credit card or loan. Over-the-Credit-Limit owing an amount greater than the limit on a credit line. Over-the-Limit Fee - fee charged for exceeding the assigned credit limit. Past Due - when the minimum payment has not been received by the due date. Periodic Rate - interest rate in relation to a specific amount of time. Posting Date - date that a purchase, cash advance, fee, service charge or payment is recorded. Previous Balance - total balance due at the end of last billing cycle. Rebate Card - credit card that supplies benefits based on the cards usage. Revolving Credit - credit agreement that allows consumers to pay all or part of the outstanding balance on a loan or credit card and have credit available again as the balance is paid off. Secured Card - credit card guaranteed by a cash deposit held in a special savings account or certificate of deposit. Transaction Date - date a purchase is made or cash is withdrawn. Transaction Fee - charge for credit activities such as using an ATM or cash advance. Unsecured Credit Card - card not guaranteed by collateral. Variable Interest Rate - interest rate that changes based on an economic index such as the prime rate. Zero Balance - total outstanding balance paid with no new charges or cash advances during a billing cycle. 3 & g w   W h ( 4 6 b r  * + <kCO+S]_?QH[$0Zj-[h=hEyq5OJQJh=hEyq0JOJQJh=hEyqOJQJh=hEyq0J5OJQJh=hEyq>*OJQJLgd=gd=$a$gd=[ GY)5#3Yi.Dh=hEyq0JOJQJh=hEyq0J5OJQJh=hEyqOJQJ 21h:p=/ =!"#$% ^ 2 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~_HmH nH sH tH @`@ EyqNormalCJ_HaJmH sH tH N@"N Eyq Heading 2dd@&[$\$5CJ$\aJ$DA D Default Paragraph FontRiR  Table Normal4 l4a (k (No List B^@B Eyq Normal (Web)dd[$\$.X`. EyqEmphasis6]PK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! 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