Download - Credit Cards and Online Shopping
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CREDIT CARDS ANDONLINE SHOPPING
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WHAT IS A PLASTIC CARD THAT AUTHORIZES THE DELIVERY OF GOODS AND SERVICES IN EXCHANGE FOR FUTURE PAYMENT WITH INTEREST, ACCORDING TO A SPECIFIC SCHEDULE.
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CREDIT CARD
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WHO MUST BE REPAID IF YOU USE A CREDIT CARD?
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THE CARD ISSUER (CREDIT CARD COMPANY)
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IF YOU DO NOT PAY YOUR CREDIT CARD OFF COMPLETELY EACH MONTH, WHAT WILL INTEREST BE CALCULATED ON?
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OLD AND NEW PURCHASES
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WHEN YOU RECEIVE THE CREDIT CARD STATEMENT, YOU SHOULD
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TAKE A FEW MINUTES TO ENSURE IT IS ACCURATE
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YOU WILL NOT PAY ANY _____ ON YOUR PURCHASES IF YOU PAY THE ENTIRE AMOUNT IN FULL EACH MONTH.
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INTEREST
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BORROWING MONEY FROM THE CREDIT CARD COMPANY IS KNOWN AS A
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CASH ADVANCE
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INTEREST ON A CASH ADVANCE BEGINS ____ AND MAKES IT AN EXPENSIVE WAY TO BORROW MONEY.
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IMMEDIATELY
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IF GIVEN AN ADVANCED NOTICE, WHAT CAN THE CREDIT CARD COMPANY DO?
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CHANGE THE INTEREST RATECHANGE THE LATE FEE CHARGESCHANGE THE TERMS OF CREDIT
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WHAT CAN BE INCLUDED ON YOUR CREDIT CARD STATEMENT?
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CREDIT LIMITDUE DATEPAYMENTS AND CREDITSPURCHASES OR NEW CHARGES
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SOME OF THE BENEFITS OF USING A CREDIT CARD INCLUDE
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BUY NOW – PAY LATERCONVENIENCE
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TRUE/FALSEWHEN SHOPPING ONLINE, KNOW EXACTLY WITH WHOM YOU ARE DEALING.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, CONFIRM THE SELLER’S PHYSICAL ADDRESS AND PHONE NUMBER IN CASE YOU HAVE PROBLEMS OR QUESTIONS AND NEED TO CONTACT THEM.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, KNOW EXACTLY WHAT YOU ARE BUYING BY CAREFULLY READING THE SELLER’S DESCRIPTION OF THE PRODUCT, INCLUDING FINE PRINT.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, KNOW EXACTLY THE TERMS OF THE DEAL INCLUDING REFUND POLICY.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, KNOW EXACTLY HOW MUCH YOU WILL BE CHARGED INCLUDING SHIPPING AND TAXES.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, PAY BY CREDIT CARD OR CHARGE CARD.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, PRINT AND SAVE RECORDS OF YOUR ONLINE PURCHASES.
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TRUE
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TRUE/FALSEWHEN SHOPPING ONLINE, CHECK THE SITE’S SECURITY.
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TRUE
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A ____ IN THE HTTP OF THE WEB SITE MEANS THAT IT IS A SECURED SITE.
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S
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TRUE/FALSEWHEN SHOPPING ONLINE, CHECK THE SITE’S PRIVACY POLICY.
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TRUE/FALSETHERE IS NO DIFFERENCE BETWEEN ONLINE PAYMENT AND ESCROW SERVICES.
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FALSE
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WHEN SHOULD YOU BE SUSPICIOUS OF ONLINE PAYMENT OR ESCROW SERVICE?
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WHEN THE SITE CONTAINS MISSPELLED WORDS OR CLAIMS TO BE AFFILIATED WITH THE GOVERNMENT
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BENEFITS OF SHOPPING ONLINE INCLUDE:
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STORES NEVER CLOSENO PARKING PROBLEMSNO AGGRESSIVE SALESPEOPLEEASY TO COMPARE PRODUCTS AND PRICESNO LOCAL SALES TAX
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COSTS OF SHOPPING ONLINE INCLUDE:
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MUST WAIT FOR DELIVERYSHIPPING AND HANDLING FEESDIFFICULT TO NEGOTIATE PRICECANNOT PHYSICALLY SEE OR HANDLE
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A CONSUMER LINE OF CREDIT THAT CAN BE USED UP TO A CERTAIN LIMIT OR PAID DOWN AT ANY TIME
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REVOLVING CREDIT
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TRUE/FALSECREDIT CARDS PROMOTE “IMPULSE SPENDING” AND OVERSPENDING
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TRUE
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WHO DOES THE CREDIT CARD COMPANY PAY?
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THE MERCHANT
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WHEN DO YOU PAY INTEREST ON YOUR CREDIT CARD?
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IF YOU DO NOT PAY OFF IN FULL EACH MONTH
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WHAT ARE SOME REASONS FOR SHOPPING AROUND FOR A CREDIT CARD?
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INTEREST RATES WILL VARYSPECIAL INCENTIVES WILL VARY
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CREDIT CARDS ARE CONSIDERED
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REVOLVING CREDIT
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TRUE/FALSEDEBIT CARDS AND CREDIT CARDS OFFER THE SAME PROTECTION ONLINE OR LOCALLY.
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FALSE