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