Credit Knowledge Quiz

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Test your understanding of credit, debt, and financial terms with this engaging quiz! Keep playing to practice your Credit Vocabulary.

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Kristine Vester

Estados Unidos

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Credit Knowledge Quiz


Credit Knowledge QuizVersión en línea Test your understanding of credit, debt, and financial terms with this engaging quiz! Keep playing to practice your Credit Vocabulary. por Kristine Vester 1 What is capacity in terms of credit? a The amount of collateral you have. b Your ability to repay a loan, based on your income. c Your credit history and past repayments. d The total debt you owe. 2 What does character refer to in credit assessments? a Your credit history and past loan repayments. b Your job stability. c Your current debts. d The amount of money you can borrow. 3 What is collateral? a Your credit score. b Your monthly income. c Your spending habits. d Something that can be taken if you don't repay your loans. 4 What does default mean? a When you consolidate your debts. b When you don’t pay back your loans. c When you borrow more money. d When you pay back your loans early. 5 What is consumer debt? a Debt from business loans. b Debt from mortgage loans. c Debt incurred from purchasing consumable goods. d Debt from student loans. 6 What is garnishment? a When you borrow money. b When you receive a loan. c When money is taken from your pay to pay debts. d When you pay off a loan. 7 What does overspending mean? a Saving more money than you need. b Spending more money than you should, leading to debt. c Investing money wisely. d Paying off debts quickly. 8 What is Debtors Anonymous? a A support group for those addicted to spending money. b A loan company. c A financial planning course. d A credit score service. 9 What do auto finance companies do? a They provide loans to buy cars. b They provide credit cards. c They sell cars. d They offer insurance for cars. 10 What does ownership mean in financial terms? a It means that something is yours. b It means you owe money. c It means you can borrow money. d It means you are in debt. 11 What is a financial institution where you can keep your money safe? a Tax preparers b Credit card companies c Mortgage brokers d Bank 12 Who helps you file your taxes and may offer you a loan? a Banks b Credit card companies c Mortgage brokers d Tax preparers 13 Who assists you in obtaining a mortgage to buy a home? a Banks b Credit card companies c Tax preparers d Mortgage brokers/lenders 14 What is the term for the total amount you owe on a loan or credit card? a Credit limit b Balance owed c Due date d Grace period 15 What is the day a bill is due called? a Grace period b Late fee c Penalty d Due date 16 What is the extra time given after a payment is due before a late fee is charged? a Grace period b Credit limit c Late fee d Due date 17 What is the extra amount you pay if you pay a bill late? a Penalty b Grace period c Late fee d Credit limit 18 What is the term for an extra amount paid if a bill is late? a Grace period b Late fee c Due date d Penalty 19 What is the highest amount you can borrow on a credit card? a Grace period b Due date c Credit limit d Balance owed 20 What type of company issues credit cards? a Credit card companies b Tax preparers c Banks d Mortgage brokers 21 What is a Line of Credit? a An extra charge for a financial service. b An interest rate that can change. c The lowest payment you can pay on your loan. d This is the highest amount you can borrow or put on a credit card. 22 What does Minimum Amount Due refer to? a The lowest payment you can pay on your loan or credit card for the month. b An interest rate that will stay the same. c The total interest charged on a loan. d The highest amount you can borrow. 23 What is a Finance Charge? a The total amount borrowed. b The lowest payment due on a loan. c An extra charge for a financial service- in addition to the interest rate. d An interest rate that can change. 24 What does APR stand for? a Annual Principal Rate. b Average Payment Rate. c The interest or percentage extra that you pay when you borrow money. d Annual Payment Rate. 25 What is a Fixed Interest Rate? a The lowest payment you can pay. b An interest rate that can change. c An extra charge for financial services. d This is an interest rate that will stay the same the whole time you have a loan. 26 What is a Variable Interest Rate? a This is an interest rate that can change while you have a loan. b The lowest payment due on a credit card. c An interest rate that stays the same. d The total amount of interest paid. 27 What is the Minimum Payment? a An interest rate that can change. b The total amount borrowed. c The highest amount you can borrow. d The lowest payment you can pay on your loan or credit card for the month. 28 What does Interest [APR] refer to? a An interest rate that stays the same. b The total amount of a loan. c The lowest payment due on a loan. d The percentage extra that you pay when you borrow money. 29 What is a Fixed Rate of Interest? a An interest rate that can change. b The lowest payment you can pay. c This is an interest rate that will stay the same the whole time you have a loan. d An extra charge for financial services. 30 What is a Variable Rate? a An interest rate that stays the same. b The total amount of interest paid. c This is an interest rate that can change while you have a loan. d The lowest payment due on a credit card. 31 What is a credit reporting agency? a A credit card issuer. b A type of loan provider. c A company that can give you your credit report. d A government organization. 32 What does the Truth in Lending Act of 1968 require? a Lenders to offer loans without interest. b Lenders to tell the truth about the terms of their loans. c Banks to provide free credit reports. d Borrowers to pay loans immediately. 33 What is predatory lending? a Offering loans with no interest. b Lending with unfairly high interest rates and charges. c Providing loans to everyone regardless of credit. d Lending only to wealthy individuals. 34 What does usury refer to? a Unfairly high interest rates. b Loan repayment terms. c Low interest rates. d Credit score calculations. 35 What is a lien? a A financial institution. b A credit score. c A type of loan. d A legal claim on someone else's property to secure debt repayment. 36 What does liquidation mean? a Buying real estate. b Investing in stocks. c Holding onto valuable items. d Selling assets quickly for cash. 37 What is identity theft? a Changing passwords frequently. b Losing a credit card. c When personal information is stolen for fraudulent use. d Sharing personal information online. 38 What is prepayment? a Using a credit card. b Borrowing money without interest. c Paying after using a service. d Paying for something ahead of time. 39 What does PIN stand for? a Personal Identification Number. b Payment Identification Number. c Public Information Network. d Private Investment Note.

Credit Knowledge Quiz

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Verbos irregulares en Inglés

Credit Knowledge QuizVersión en línea

por Kristine Vester

What is capacity in terms of credit?

What does character refer to in credit assessments?

What is collateral?

What does default mean?

What is consumer debt?

What is garnishment?

What does overspending mean?

What is Debtors Anonymous?

What do auto finance companies do?

What does ownership mean in financial terms?

What is a financial institution where you can keep your money safe?

Who helps you file your taxes and may offer you a loan?

Who assists you in obtaining a mortgage to buy a home?

What is the term for the total amount you owe on a loan or credit card?

What is the day a bill is due called?

What is the extra time given after a payment is due before a late fee is charged?

What is the extra amount you pay if you pay a bill late?

What is the term for an extra amount paid if a bill is late?

What is the highest amount you can borrow on a credit card?

What type of company issues credit cards?

What is a Line of Credit?

What does Minimum Amount Due refer to?

What is a Finance Charge?

What does APR stand for?

What is a Fixed Interest Rate?

What is a Variable Interest Rate?

What is the Minimum Payment?

What does Interest [APR] refer to?

What is a Fixed Rate of Interest?

What is a Variable Rate?

What is a credit reporting agency?

What does the Truth in Lending Act of 1968 require?

What is predatory lending?

What does usury refer to?

What is a lien?

What does liquidation mean?

What is identity theft?

What is prepayment?

What does PIN stand for?