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Credit Card Powerpoint Template

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credit card

Transcript: by Scott Whaley Best way to pay for stuff because it is money you already have in the bank if you dont have the money then you dont get it. Is the easy way to pay for stuff but it's easy to go in to debt. why stores take credit cards Credit Card or "Plastic Epidemic" Credit Spending Debit Card 2 facts and myths about credit cards Teenagers are the most targeted people for credit card companies. They know you will spend more. example- McDonald's Fact- credit card will put you in debt. Credit cards can stop you from getting cars and houses. Myths- credit card is better to use. credit cards help you hold money. Conclusion people spend 12-18% more a month than using cash. Credit Card Targets Credit Card Credit is bad don't use it fight it :) have a good day

Credit Card

Transcript: Credit crards what? Plastic cards that allowusers to get a cash avandce or buy items on credit. Credit is borrowed money that must be paid back within a certain time frame. Credit users are typically charged interest on the borrowed money if the money is not paid back in full within that time Where? Money comes from Federal Reserve Bank. Advantage Used properly, a credit card can have many advantages. Such advantages include the potential to earn financial rewards, the ability to avoid carrying large amounts of cash and the opportunity to build up a sound credit history. D. What are some disadvantages of using a credit card? Basically, there are two ways to use your credit card; responsibly or irresponsibly. If used responsibly, your credit card will be the best short-term loan you can find. E. What does “APR” stand for? Usually it stands for Annual Percentage Rate (used to calculate the amount of interest charged on the balance of a credit card or loan). If that doen't make sense in relation to where you saw it then it may stand for something else F. Why is the APR charged? For the first 12 billing cycles following the opening of your OneCause Visa® Platinum account, you may be eligible for 0% APR on purchases and balance transfers, depending on the Chase review of your application and credit history. After that period, your APR may be as low as 8.99%. APY? Who pays the APY? Banks pays a small percentage of APY How often is the APY calculated? The AYP is calculated every year. APY = (1 + Periodic Rate) ^ (Periods in a Year) How Much? credit card debt is the average American in? The average credit card debt in America is $15,519 How much credit card debt should anyone carry? Keep your debt ratio under 50 percent. If your credit card has a $5,000 limit, don't carry a balance of more than $2,500. What is the difference between a charge card and a credit card? Charge cards and credit cards are not the same thing, though the names are sometimes interchanged. A charge card is actually a type of credit card that requires you to pay your balance in full at the end of each billing cycle instead of making payments on the balance over several months. A credit card, on the other hand, allows you to have a revolving balance that you can pay off over a period of time. What are good things to use a credit card for? Building credit, fixing damaged credit. What are bad things to use a credit card for? Extended warranty at the car dealershipPaying off one card with another

Credit Card

Transcript: RBC(Rewards Visa Gold) Credit ratings! Good credit rating results : Carries no outstanding balance on credit cards Pays all bills on time Keeps debt to a reasonable level, based on income and assets Has taken out a lone and met all payment obligation on time A lower credit rating results: Often pays bills late Has too many credit cards Owns large sums of money as well as mortgage Consequences (unpaid debt): • It’s hard for you to get a job or promotion • Raise your interest/ insurance rates The three Cs of credit! easy to apply for why I chose this credit card! Merchandise Rewards: No The three Cs of credit Interest rate: 19.99% Groceries Furnisher store Electronic store (as long as they accept card) Grace Period (days): By: Nisha.P Do you pay bills on time? What you can use it to pay for? $0 Do you have a permanent job? Grace Period (days): 21days 2. Capacity (cc) image by nuonsolarteam on Flickr What happens when you don't handle credit card the right way Merchandise Rewards: Yes How much do you earn? 21 day Have you used credit card before? Basic information: 1. Character cons: Compare Grace Period (days): 21 days Merchandise Rewards: No Pros: How long have you lived at your current address? RBC(Visa Classic Low Rate) Do you own or rent your residence? Use them practically everywhere More convenient to carry around compare to cash Allow you to purchase item and pay the off in monthly instalments Offer discount at store, rewards, and offer cash back Build your credit history RBC (Cash Back Visa) Interest rate:13.99% Annual fee: $40 Interest rate: You get points what are your current living expenses? Reflection: How and where to find information about/on credit card Learned more about credit card Out of hand it can be very hard to regain control Charged with late fees and interst, icresing your debt load cards can be stolen Late payments can be very expensive as you will receive extra charges. Annual fee: $19 How much money you have in a saving account? It has no annual fee 19.99% 3.Capital Annual fee: Name of Financial Institution:

Credit Card

Transcript: $100 Bonus Cash back when you spend $500 in your first 3 months* 0% Intro APR for the first 6 billing cycles that your Account is open 0%per cent Intro APR for 12 months on balance transfers made during the first 30 days your account is open And after each period, a variable APR of 11.99%per cent - 22.99% You will earn 1 point for each $1 of net purchases For example, 2,000 points can be redeemed for a $20 check. If you are charged periodic interest, the charge will be no less than $1.50 Over-the-Credit-Limit Up to $35. Your due date will be a minimum of 21 days after the close of each billing cycle Think about it

Credit Card

Transcript: Joseph Zarroli http://www.cardratings.com/ Charge cards do not have a credit limit. The balance on a charge card must be paid in full at the end of each month. Charge cards typically do nothave a finance charge or minimum payment since the balance is to be paid in full. Types of Cards Choosing the right card •Credit and debit card fraud is the No. 1 fear of Americans in the midst of the global financial crisis. Concern about fraud supersedes that of terrorism, computer and health viruses and personal safety. -Standard The most common type of credit card allows you to have a revolving balance up to a certain credit limit. Credit is used up when you make a purchase and made available again once you've made a payment How to establish a good credit history Visit Apply for department store and gas station credit cards. Don't get a new store credit card every time you get a discount offer, but one way to start a credit history is to have one or two department store or gas station cards. -Make a list of all your cards and their numbers. This key information is helpful when reporting lost or stolen cards. use your card to make purchases, but don’t go over your credit limit. Pay at least the minimum payment due each month, or more if you can, and pay on time. How to protect your card By Establish a pattern of regular payments by putting your apartment and utilities in your own name and paying your bills on time. http://www.federalreserve.gov/creditcard/ You have to prtotect your card Research, Research, Research Credit Card PSA Debt will try to kill you. For More Information -Never leave your cards unattended at work. There are more credit card thefts in the workplace than in any other single location. -Premium These cards offer incentives and benefits beyond that of a regular credit card. Examples of premium credit cards are Gold and Platinum cards that offer cash back, reward points, travel upgrades, and other rewards to cardholders. Develop a good understanding of terms, fees and APRs -Don't leave your credit cars in your vehicle. A very high proportion of credit cards are stolen from motor vehicles. •The number of U.S. identity fraud victims rose 12 percent to 11.1 million adults last year, the highest level since the survey began in 2003. Develop an understanding of credit card features and how they relate to you Charge Cards Eric Merkel

CREDIT CARD

Transcript: Social Problem: Benefits CREDIT CARD Collaboration Problems It can show us how much we spend money It makes consumers more conscious It can make people feel more confident It lets people to save money HAVE YOU EVER THOUGHT... Kübra Akbalık Ali Berkay Özalp Group 7 ALD Everybody uses credit cards carelessly People are in debt Credit cards seem as a magical object Easy to spend money that WE CAN'T SEE

credit card

Transcript: dude were so high allman this brid just poop on my car dude theres a plane coming right at us look the brids are fighting Template by Missing Link Images from Shutterstock.com look its the moon were losing control

Credit Card

Transcript: Advantages Avoiding the risk of carrying cash Avoiding inferior products Keep Records of your expenses Cash Back and Rewards Points Convenient Online Purchases Building a Good Credit Sharing Cash Advance Other Benefits Disavantages Fraud Overspending High Internet payments Annual fees Late Payment Fees Cash Advance Fees Error with the Monthly Statement Or Credit Card Good? Evil?

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