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