(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.
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Bankruptcy
The person who pays the minimum amount due each month
House
The person’s religion and gender
They can work with those who loaned Tartan money to get an affordable repayment schedule
Generally, student loans must be repaid even if the borrower files for bankruptcy
Finance Charges
Irresponsible because he does not have sufficient income to repay debt
Address unfair practices
Most debts to creditors are eliminated
Capacity
Garnishments
Down payment
A person has a poor credit history
A lender who offers to refinance the loan at a higher interest rate when the person is unable to make payments
Debt
Consolidated loan
Lenders
Make larger payments each month to pay the loan in less than 20 years
$50
Annual fees
Very good; she should be able to obtain most types of credit at a reasonable interest rate
Has a bad credit history
Pay the complete balance each month
$16.00
A number given by credit rating agencies based on a person’s credit worthiness
Added the purchase to her credit card bill to be paid on the due date
Protect consumers against misleading and unfair practices
Very high interest rate and fees
Easy to spend more than a person can afford to repay
Has not made a payment in 60 days
Open/Revolving Credit
Principle
Last month’s unpaid balance and new purchases
lenders are more likely to approve a loan with a reasonable interest rate for a person with a high credit score
$200 - $1,400
Risk-Based Lending
Making a higher down payment on the house
Small loan companies
Minimum payment
Seven years from when she made her last payment on the loan
Something of value that secures a loan to protect the lender
Frequent late payments
Garnishment
For a 7-year period
Late, and the company will assess a late fee
Very high
Decreased because some of her future earnings must pay for the new television
Lien
Foreclosure
Charge a late fee and may give a 45-day notice to raise the interest rate
10% of their monthly net income
Credit score
The credit card company did not have the payment on or before the due date
Penalty Fees
Student loan
Pawn Shops
The card company not being paid can raise its APR after giving a 45-day notice
The Annual percentage rate (APR) on the monthly statement
Be extremely careful about disclosing account information to unsolicited callers
Experian
Annual percentage rate (APR)
Repossession
Collateralized loan
A fee for setting up and overseeing a debt repayment plan
Secured Loan
Dollar amount for borrowing
Mortgage
Eviction
Creditors and landlords
Unsecured Loan
Free copy of the credit report if he requests it within 60 days
Annual percentage rate (APR)
Chapter 13 Bankruptcy
Credit report
Fair Isaac Corporation
Character, collateral, and capacity
Interest rates on credit cards are not limited
He has a credit problem
Compound interest
Charge a late fee on the account
Credit
How much is being charged in interest on the loan each ear
Notify each credit card company immediately
Has fully paid for the car and there is no lien on the car
Both Individuals
Help the public become informed consumers
Payments for student loans must begin six months after graduation from college
Credit Life Insurance
Contact the borrower at a reasonable hour to discuss the outstanding debt
Identity Theft
Loans are difficult to get during a recession
Very good; she should be able to obtain most types of credit at a reasonable interest rate
Can increase as the prime rate increases
A fee on the credit card bill for the month the limit was exceeded
Collateral
Financial products and services are fair for consumers
Request that the credit reporting agency correct the credit report
U.S. Department of the Treasury
A debt
The interest paid on the loan is tax deductible
Unpaid state and federal taxes
800
Getting and responsibility using a store charge account
Individuals with a poor credit history
Creditors feel that the total amount she can charge on cards is more than her ability to repay
Refusing to give his Social Security number on a phone call he did not make himself
How much interest will be paid over the life of the loan increasing the real cost of the item?
Pay bills on time
Protect consumers against unfair credit card practices
The creditor
Cannot raise the APR automatically
A good credit history or report can help a person get an apartment
The card is in effect for one year
Shred the USA credit card and instruct the credit card company in writing or by phone to close the account
