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  • What is the difference between a credit card and a debit card?
    Credit card has a certain amount and debit has unlimited amount unless you dont pay.

  • Describe three ways you can develop a positive credit history.
    Never late pay, always checking account, and never go into debt.

  • Give a description of five different financial apps and/or websites that help people manage their money.
    Mint, you need a budget, gnucash, moneydance, budget simple.

  • Explain three advantages and three disadvantages of using credit.
    You can buy what you want, dont need actual cash with you, and its easy and simple. You can over pay, you can go into debt, and also ruin you financially.

  • What is APR and why is it important to know when applying for a credit card?

  • When and where can you order a free credit report? Why is it important?

    • Include what you should do if you find errors on your credit report.
      Once per year and it helps determine if you can buy something.

  • What should a borrower do if they are experiencing financial difficulties?

    • Include contact information for a credit counseling agency.
      Talk to a financial counselor.