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