17.1 Interactive Book with Quiz – Credit 101
Στόχοι Μαθήματος:
- Credit Basics – Know that credit = borrowing now, repaying later with possible interest, and see how it differs from debit (your own money).
- Cost of Borrowing – Understand interest, APR, fees, and market rates, and learn how missing payments makes borrowing more expensive.
- Types & Uses of Credit – Identify credit cards, installment loans, “buy-now-pay-later,” and when each is smart (emergency) or risky (impulse buys).
Building Credit History – Discover how on-time payments, low balances, and secured cards raise your πιστωτικό σκορ, unlocking better rates on future big-ticket needs like student loans or apartment leases.
Βασικές πληροφορίες μαθήματος:
- Borrow Responsibly – Πιστωτικές κάρτες let you pay later, but paying the full balance in the grace period keeps interest = $0.
- APR Shows True Cost – The annual percentage rate includes interest + fees; higher APR means borrowing costs you more.
- Good Credit Pays Off – A solid credit history lowers loan rates, eases FAFSA funding, student loans, and apartment approvals, and can save real money.
- Use Credit Wisely – Reserve credit for needs or planned goals, set reminders, avoid late fees, and start building credit early to secure your financial future.
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