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Module 116-118 Review Part 2
Test Description: Module 116-118 Review Part 2
Instructions: Answer all questions to get your test result.
1) You do not ever use your credit card, but always pay with cash.
A
Bad for your credit
B
Neutral
C
Good for your credit
2) You use credit cards until they are up to the spending limit and you don’t completely pay off the balances each month
A
Good for your credit
B
Bad for your credit
C
Neutral
3) You use cash to pay for non-emergency expenditures.
A
Bad for your credit
B
Neutral
C
Good for your credit
4) You keep your checkbook carefully balanced.
A
Good for your credit
B
Bad for your credit
C
Neutral
5) You make only minimum payments on your credit cards.
A
Good for your credit
B
Bad for your credit
C
Neutral
6) With a credit card, you can pay for a big emergency expense.
A
True
B
False
7) If you opt in to your debit card’s overdraft protection, you will not be charged overdraft fees. A. True B. False
A
True
B
False
8) A debit card will always automatically protect you from spending more money than you have.
A
False
B
True
9) A credit card company can charge you a fee even if you do not charge anything to your card.
A
True
B
False
10) A credit card can earn you airline miles based on your monthly purchases.
A
False
B
True
11) . Purchases made with a debit card can be carried over for more than one month.
A
False
B
True
12) The bank can charge an overdraft fee only for the amount you are overdrawn.
A
True
B
False
13) A credit card company can charge you interest on the purchases you make before you even receive a bill.
A
False
B
True
14) If you have difficulty saving money or you often buy things on impulse, a credit card is a good choice for you.
A
True
B
False
15) You can get cash advances with a debit card.
A
True
B
False
*select an answer for all questions
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