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