17.1 Interactive Book with Quiz – Credit 101

レッスンの学習目標:

  • 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 信用スコア, unlocking better rates on future big-ticket needs like student loans or apartment leases.

主なレッスン情報:

  • Borrow Responsibly – クレジットカード 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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