ࡱ> {}z5@ 0@bjbj22 /<XX|4545458l5$5lStj6LT6(|6|6|6|6|6|6sssssss$uRxs|6|6|6|6|6s|6|6 t777|6v|6|6s7|6s778N"lq|65 ^456Rm0^qt#t0Stm$xD7Lx`q4"xq@|6|67|6|6|6|6|6ssdP7PVideo Worksheet: Which Credit Card Deal is Best? What we know: Credit Card Offer Details as of 4/2004 Citi Platinum Select MasterCard No Annual Fee 8.99% APR on purchases 19.99% Cash Advance APR Cash advance fee: 3% or not less than $5 or more than $50 27.99% Default Rate 0% APR on balance transfers for 12 months $0 liability on unauthorized charges 20-day grace period if your total new balance is paid in full each billing period $35 over credit limit fee Late Fees: $15 on balances up to $100; $25 between $100$1,000; $35 over $1,000 $12,000 minimum annual income required Free online services Personal information privacy Photocard option available Dedicated 24/7 Customer Service To see current offers go to:  HYPERLINK "http://www.citibank.com" www.citibank.com Blue Cash from American Express No Annual Fee 0% introductory rate for 6 months After 6 months, 8.99% to 13.99% depending upon payment history and credit record 18.99% Cash advance APR Cash advance fee: 4% or not less than $5 or more than $50 23.99% penalty APR if you do not pay your minimum payment Up to 5% cash back on purchases Total Annual Spend Cash Back on Everyday Purchases Cash Back on Other Purchases Up to $2000 0.5%  0.25% $2,001$6,000 1.00%  0.50% $6,001$50,000 3.00%  1.50% Bonus % if you carry a balance 2.00%  0.50% Late Fees: $15 on balances up to $100; $29 between $100$1,000; $35 over $1,000 $29 fee for bounced check payment $29 over the credit limit fee Automatic bill pay available 24/7 Customer Service Online account access Grace period if balance is paid in full each billing cycle Emergency Card Protection Purchase Protection Plan Up to $20,000 personal credit limit Undisclosed minimum annual income To see current offers go to:  HYPERLINK "http://www.americanexpress.com" www.americanexpress.com Collegiate Visa Card $12 annual fee (waived the first year) 14.75% APR 14.75 Cash Advance APR 18.75% APR Penalty APR $20 late payment fee $20 Over the credit limit fee $15 Bounced payment check fee $1000 credit limit Online account access To see current offers go to:  HYPERLINK "http://www.visa.com" www.visa.com Discover Card for Students No annual fee 17.99% APR 19.9924.99% Default APR 22.99% APR cash advance Cash advance fee: 3% or not less than $5 or more than $50 25 day grace period when balance is paid in full each month 1% cash back, up to 2% cash back if credits are used to buy goods through the Cash Back Bonus Partner system Late Payment fee $15$35 Over the limit fee $15$35 Variable credit limit Travel Insurance Free Discover2Go card upon request To see current offers go to:  HYPERLINK "http://www.discovercard.com" www.discovercard.com What we are looking for: Which credit card fits Shareses needs? Which fits Joes needs? Which fits your needs? Solution plan: What questions should a consumer ask before accepting a credit card? Utilize the table below to evaluate the various credit card offers. It is possible that not all information is available for all cards Card NameInterest Rate on PurchasesCash Advance RateAnnual FeePenalty APRGrace PeriodLate Payment FeeOver Credit Limit FeeMinimum Annual IncomeCash BackCiti Platinum SelectBlue Cash from American ExpressCollegiate VisaDiscover Card for Students Based upon the information, which credit card is the most appropriate for Sharese? Why? Based upon the information, which credit card is most appropriate for Joe? Why? If you were choosing a credit card from this list, which credit card would you select? Why? What are the advantages of a good credit history? What are the disadvantages of having access to credit? Video Case Worksheet Video Case Worksheet  PAGE 2 Video Case Worksheets Which Credit Card Deal is Best?  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