A) A record of every purchase you have ever made

B) A number that summarizes how responsibly you handle borrowed money

C) A score assigned by your bank based on how much money you have saved

D) A number that only matters when you apply for a mortgage

A) Your ability to rent an apartment

B) Your car insurance premium

C) Your chances of getting certain jobs

D) All of the above

A) Annual Payment Rate, the fee you pay each year just to own the card

B) Authorized Purchase Record, a log of all approved transactions

C) Adjusted Penalty Rate, the rate charged when you miss a payment

D) Annual Percentage Rate, the interest rate charged on balances you carry month to month

A) A legally required document that lays out all key credit card terms in plain language

B) A section of the credit card application where you list your income

C) A penalty fee charged when you exceed your credit limit

D) A tool on certain websites that compares credit card offers

A) A promotional period during which no interest is charged on new purchases regardless of whether you pay in full

B) The window of time between your billing cycle ending and your payment due date, during which you can pay in full and owe no interest

C) The amount of time you have after missing a payment before it affects your credit score

D) The number of days a credit card company must wait before charging a late fee