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Yoko is buying a car from a local car dealership. She wants to get the lowest interest rate possible. Which will most likely help her get the lowest interest rate?

A
making sure she has a positive credit history
B
showing her driver’s license
C
asking nicely
D
explaining that she has many outstanding loans
2
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Sal and Jen went to the store together, and each bought the same car stereo. Sal used a card to make the purchase, and the full amount was immediately withdrawn from his bank account. Jen used a card to make the purchase, and she received a bill within 15 days of the purchase. She paid 21 point 3 0 dollars for the next 18 months until the bill was paid in full. The full payment included 58 point 6 0 dollars in interest. Which statement describes Sal’s purchase?

A
Sal used a debit card and paid a total of 324 point 8 0 dollars for the stereo.
B
Sal used a credit card and paid a total of 383 point 4 0 dollars for the stereo.
C
Sal used a credit card and paid a total of 324 point 8 0 dollars for the stereo.
D
Sal used a debit card and paid a total of 383 point 4 0 dollars for the stereo.
3

Xavier buys a computer for 525 dollars , which includes taxes. He pays for the computer over a 12-month period by paying 48 point 1 3 dollars per month. Which statement about Xavier’s purchase is most likely true?

A
He used a debit card to make the purchase and paid exactly 525 dollars for the computer.
B
He used a credit card to make the purchase and paid an additional 52 point 5 6 dollars in interest.
C
He used a credit card to make the purchase and paid exactly 525 dollars for the computer.
D
He used a debit card to make the purchase and paid an additional 52 point 5 6 dollars in interest.
4

Fido wants to buy a new car. He will need to get a car loan. Fido decides to wait for a few months until his credit history improves. Which explains whether Fido is making a sensible decision?

A
Fido’s decision is sensible because the cost of the car loan should be less if his credit history improves.
B
Fido’s decision is not sensible because he needs the car right away.
C
Fido’s decision is not sensible because it does not matter if he buys the car now or in a few months.
D
Fido’s decision is sensible because the selling price of the car should be less in a few months.
5

Pete is trying to get a loan. He has a credit score of 480. How is Pete’s lender likely to view this credit score?

A
Pete is responsible and will pay the loan back on time.
B
Pete is responsible but will not pay the loan back on time.
C
Pete is irresponsible and will not pay the loan back on time.
D
Pete is irresponsible but will pay the loan back on time.
6

Which information is found on a credit report?

A
names of family members
B
credit account history
C
list of schools attended
D
grade point average
7

Which helps to establish a negative credit history?

A
Pay off the full amount with the first monthly statement.
B
Pay less than the minimum amount due.
C
Make payments on or before the due date.
D
Never miss a payment.
8

Simon used a credit card to buy a skateboard. Which statement is true about his method of payment?

A
Simon made the purchase with money he saved.
B
Simon used money directly from his bank account.
C
Simon paid cash at the store.
D
Simon will receive the bill later.
9

Tamera and Rupert each applied for the same credit card through the same company. Tamera has a positive credit history. Rupert has a negative credit history. Which compares their credit limits and likely interest rates?

A
Rupert’s credit limit is most likely lower than Tamera’s, and his interest rate is most likely lower.
B
Tamera’s credit limit is most likely higher than Rupert’s, and her interest rate is most likely lower.
C
Rupert’s credit limit is most likely higher than Tamera’s, and his interest rate is most likely lower.
D
Tamera’s credit limit is most likely lower than Rupert’s, and her interest rate is most likely higher.
10

Lois bought clothing at a store. She did not have enough in her bank account to pay for the purchase. After receiving the bill and paying off the balance, she realized that she paid 9 point 6 9 dollars in interest. Which statement is true about her method of payment?

A
Lois used a credit card to make the purchase.
B
Lois either used a debit card or used a credit card and made a single payment.
C
Lois either used a debit card or used a credit card and paid the balance in full when the bill arrived.
D
Lois used a debit card to make the purchase.

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