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