(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.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
Collateral
How much interest will be paid over the life of the loan increasing the real cost of the item?
Credit Life Insurance
Credit
The Annual percentage rate (APR) on the monthly statement
Protect consumers against misleading and unfair practices
Credit report
The interest paid on the loan is tax deductible
Open/Revolving Credit
A person has a poor credit history
Help the public become informed consumers
How much is being charged in interest on the loan each ear
Protect consumers against unfair credit card practices
Frequent late payments
Capacity
Easy to spend more than a person can afford to repay
Compound interest
The person’s religion and gender
Minimum payment
Small loan companies
Garnishments
Penalty Fees
Character, collateral, and capacity
Free copy of the credit report if he requests it within 60 days
Annual fees
Secured Loan
Bankruptcy
Contact the borrower at a reasonable hour to discuss the outstanding debt
Free!
The creditor
Repossession
Has a bad credit history
A lender who offers to refinance the loan at a higher interest rate when the person is unable to make payments
Request that the credit reporting agency correct the credit report
Charge a late fee and may give a 45-day notice to raise the interest rate
Be extremely careful about disclosing account information to unsolicited callers
Address unfair practices
A good credit history or report can help a person get an apartment
Annual percentage rate (APR)
They can work with those who loaned Tartan money to get an affordable repayment schedule
Very good; she should be able to obtain most types of credit at a reasonable interest rate
Cannot raise the APR automatically
Expensive and should be avoided since the IRS refund check arrives soon after the return is filed
The collateral has monetary value and can be used if the borrower defaults on the loan
Risk-Based Lending
A fee for setting up and overseeing a debt repayment plan
Experian
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
Pawn Shops
Decreased because some of her future earnings must pay for the new television
Something of value that secures a loan to protect the lender
Getting and responsibility using a store charge account
A debt
Loans are difficult to get during a recession
Has fully paid for the car and there is no lien on the car
Student loan
House
Last month’s unpaid balance and new purchases
Added the purchase to her credit card bill to be paid on the due date
Debt
Making a higher down payment on the house
Unsecured Loan
Both Individuals
Financial products and services are fair for consumers
Credit score
Garnishment
A fee on the credit card bill for the month the limit was exceeded
Money borrowed for a short period of time against a future paycheck
Chapter 13 Bankruptcy
lenders are more likely to approve a loan with a reasonable interest rate for a person with a high credit score
Irresponsible because he does not have sufficient income to repay debt
Annual percentage rate (APR)
Collateralized loan
10% of their monthly net income
Very high
Charge high interest rates
A person is entitled to one free copy of her credit report each year from each of the three leading credit reporting agencies
Creditors and landlords
Most debts to creditors are eliminated
Finance Charges
The person who pays the minimum amount due each month
Pay the complete balance each month
Individuals with a poor credit history
Very high interest rate and fees
Mortgage
Unpaid state and federal taxes
Consumers are provided with information on what the total cost of their loan will be before signing a loan agreement
Charge a late fee on the account
Has not made a payment in 60 days
Eviction
The credit card company did not have the payment on or before the due date
$200 - $1,400
Dollar amount for borrowing
Refusing to give his Social Security number on a phone call he did not make himself
Creditors feel that the total amount she can charge on cards is more than her ability to repay
Amount owed on the card is lower than the line of credit
The fees and interest charged on these loans make payday loans among the most expensive loans
Consolidated loan
Lien
800
He has a credit problem
The card is in effect for one year
The card company not being paid can raise its APR after giving a 45-day notice
U.S. Department of the Treasury
Identity Theft
Shred the USA credit card and instruct the credit card company in writing or by phone to close the account
Can increase as the prime rate increases
Is creditworthy and deserving of a loan at a low interest rate
An easy way to accumulate a large amount of debt
Very good; she should be able to obtain most types of credit at a reasonable interest rate
Late, and the company will assess a late fee
Seven years from when she made her last payment on the loan
Landlords and lenders make decisions that are influenced by an applicant’s score
Generally, student loans must be repaid even if the borrower files for bankruptcy
Lenders
The employer is ordered by the court to deduct a portion of a person’s salary to pay the person’s unpaid debt
For a 7-year period
Interest on the unpaid balance
$16.00
Foreclosure
Principle
A number given by credit rating agencies based on a person’s credit worthiness
Pay bills on time
Payments for student loans must begin six months after graduation from college
Down payment
If this information is accurate, it can stay on this person’s credit report for 7 years
