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Personal Finance Review 3
Test Description: Personal Finance Review
Instructions: Answer all questions to get your test result.
1) Which of the following cannot be done by online banking?
A
Check your account balance
B
transfer money
C
pay bills
D
cash a check
2) Which of the following is not an advantage of using credit?
A
being able to replace your broken garage door opener immediately
B
the opportunity cost of paying interest on interest
C
being able to purchase an item on sale even though you do not have the cash
D
keeping track of how much you spent on your vacation
3) The new balance on a credit card statement includes
A
debits for new purchases and interest.
B
all of the above
C
credits for previous payments.
D
credits for returned items.
4) Which of the following is not a reason for your credit card interest rate to go up?
A
Your credit score went down.
B
Your debt level is too high.
C
You have never missed a payment on any credit account.
D
You have exceeded your credit limit on another card.
5) An identity thief is most likely to get access to your personal information if
A
all of the above
B
you write your Social Security number on your tax return.
C
you use a locked post office box to receive mail.
D
you leave your receipt at the ATM.
6) Which of the following is not included on a credit report?
A
the number of late payments made
B
the amount placed with collection agencies
C
the number of inquiries about the report
D
the amount of your annual income
7) Which of the following can you do to prevent credit fraud?
A
Protect your personal and financial information.
B
all of the above
C
Notify creditors if your credit cards are stolen.
D
Check your credit report annually.
8) If you find a credit card account that is not yours listed on your credit report, you should
A
notify the FCRA and the credit bureau.
B
all of the above
C
notify all three credit bureaus in writing.
D
notify the credit bureau and the credit card company in writing.
9) Which of the following could not be used to make purchases on credit?
A
a debit card issued by your bank
B
a GapCard
C
Visa card issued by your bank
D
a BP gasoline card
10) The difference between a charge card and a credit card is that with a charge card,
A
all of the above
B
the account is revolving.
C
you pay a lower annual fee.
D
you are never charged interest.
*select an answer for all questions
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