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Consumer Credit

 EPF.13B ANALYZE CREDIT CARD FEATURES AND THEIR
     IMPACT ON PERSONAL FINANCIAL PLANNING
EPF.13E COMPARE TERMS AND CONDITIONS OF VARIOUS
           SOURCES OF CONSUMER CREDIT
EPF.13b analyze credit card
features and their impact on
 personal financial planning

CREDIT CARDS HAVE MANY POSSIBLE FEATURES.
  A DECISION MODEL CAN HELP SELECT THE
   APPROPRIATE CARD FOR THE CONSUMER.
What are some of the features of credit cards?

Consumers should consider the impact on personal
  financial planning of credit card features, such as
 annual percentage rate (APR)
 annual fees
 compound interest
 penalty charges
 credit line
 promotional incentives
 account disclosure statement
 minimum payments.
How can a decision model be used to select a
                  credit card?



 To use a decision model in selecting a credit card, the
 consumer needs to decide what features are most
 important in order to establish criteria.
What are the costs and benefits of credit cards?

The benefits of using        The costs of using credit
credit cards include         cards include

 float (deferred payment)    interest
 convenience                 fees
                               (e.g., late, annual, over-
 capability to conduct        the-limit)
    online transactions       risk of identity theft
   rewards                   risk of borrowing beyond
   purchase protection        the ability to repay
   fraud protection          length of time to pay off
   payment over time          the balance when paying
                               only the minimum
   establishing credit.       payment.
EPF.13e compare terms and
conditions of various sources of
        consumer credit

   BORROWERS SHOULD COMPARE THE TERMS AND
  CONDITIONS OF VARIOUS SOURCES OF CONSUMER
                    CREDIT.
What are the terms and condition s of various
          sources of consumer credit?
                           Consumers should consider
Consumers of credit        costs and benefits of
should compare             various sources, including

 percentage rates          retailers
 annual fees               banks
 transaction fees          credit unions
                            finance companies
 finance charges
                            risk-based lending
 risk of losing assets.
                            companies
                            (e.g., payday loan
                            services, pawnbrokers,
                            title loan services).

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Consumer credit

  • 1. Consumer Credit EPF.13B ANALYZE CREDIT CARD FEATURES AND THEIR IMPACT ON PERSONAL FINANCIAL PLANNING EPF.13E COMPARE TERMS AND CONDITIONS OF VARIOUS SOURCES OF CONSUMER CREDIT
  • 2. EPF.13b analyze credit card features and their impact on personal financial planning CREDIT CARDS HAVE MANY POSSIBLE FEATURES. A DECISION MODEL CAN HELP SELECT THE APPROPRIATE CARD FOR THE CONSUMER.
  • 3. What are some of the features of credit cards? Consumers should consider the impact on personal financial planning of credit card features, such as  annual percentage rate (APR)  annual fees  compound interest  penalty charges  credit line  promotional incentives  account disclosure statement  minimum payments.
  • 4. How can a decision model be used to select a credit card?  To use a decision model in selecting a credit card, the consumer needs to decide what features are most important in order to establish criteria.
  • 5. What are the costs and benefits of credit cards? The benefits of using The costs of using credit credit cards include cards include  float (deferred payment)  interest  convenience  fees (e.g., late, annual, over-  capability to conduct the-limit) online transactions  risk of identity theft  rewards  risk of borrowing beyond  purchase protection the ability to repay  fraud protection  length of time to pay off  payment over time the balance when paying only the minimum  establishing credit. payment.
  • 6. EPF.13e compare terms and conditions of various sources of consumer credit BORROWERS SHOULD COMPARE THE TERMS AND CONDITIONS OF VARIOUS SOURCES OF CONSUMER CREDIT.
  • 7. What are the terms and condition s of various sources of consumer credit? Consumers should consider Consumers of credit costs and benefits of should compare various sources, including  percentage rates  retailers  annual fees  banks  transaction fees  credit unions  finance companies  finance charges  risk-based lending  risk of losing assets. companies (e.g., payday loan services, pawnbrokers, title loan services).