1. a) Agreement between you and bank or store 
that allow you to buy something now that cost 
money if you promise to pay money back in the 
future.
  b) Interest fee and penalty fee.
  c) Age, income, and FICO.
  d) Score to tell lenders if you paid bills on time 
in the past.
2.  a) High FICO scores get lower interest rates.
  b) $180.
3.  a) Annual Interest Rate.
  b) APR interest rate is higher.
  c) $15 to $50 annual fee.
  d) Get credit cards from banks and stores with 
no annual fee.
4.	 Card	 Verification	 Value.
5.  a) Paper receipt.
  b) $2,000.
  c) Bill that says you owe $2,000.
  d) If you only pay minimum payment because 
then the bank will earn lots of free money from 
you.
6.  a) 8 years (or 8.08 years).
  b) $3,073.60 less $2,000 is $1,073.60 extra.
  c) Pay $2,000 in 1 month.
  d) 10 months.
7.  Sign the back. Put papers you get with credit 
card in safe place.  Make copy of the front and 
back	of	your	credit	card	for	file.
8.  Credit card number, expiration date, and CVV 
number.
9.  Secured website.
10.  a) To compare with amount charged on your 
credit card bill. 
  b) Call your credit card company.
11.  To get something free leaving you with the bill.
12. a)  Letters, numbers, caps, and symbols  
  b) Student's choice of 3 easy passwords.
Your Money: Credit Cards
QUICK CHECK ANSWERS:	
13. a)  PayPalCustomerService@PayPal.com is real.  
PayPalCustomerService@banksecure.com is 
criminal's e-mail to you.
  b) Call or e-mail your bank or PayPal.
  c) Because your computer will receive a virus 
that may steal all information on your computer.