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Credit Card Presentation

Transcript: By: Alec Augustine Discover IT Card Topic Topic Subtopic Subtopic

Credit Card Presentation

Transcript: My Credit Card Experiences The Importance of a Credit Rating The Final Week By: Becca Layman Starting Out Did I Qualify? The First Week Why Others Qualified for the Loan Even though I didn't qualify for the loan, other people did. Specifically, the two-income-no-kids scenario could more easily qualify for the loan. The scenarios with higher incomes and lower credit card balances could lower their balances quicker. Therefore, they could more easily qualify. Application to the Real World My scenario was the two income family with two children. My joint income was $2,500 My monthly expenses were $2,300 I had $200 left over for my credit payments and weekly events. Just when I thought everything was going great, I realized that I put the wrong number in the the "cash" column around week 4, so I didn't have nearly as much money as I thought I had. Luckily, I made small enough payments to have a little bit of money left over, so I didn't have to restart or anything. In the end, I only had $86 more in my balance than I started with, which comes to a $1,586 balance in the end. These weeks were fairly slow going, and gave me some time to attempt to pay off some of my balance. I only bought the cheapest weekly items: hair dyers, going bowling, and a Barbie. I put them on my credit card unless I didn't have enough cash to pay for the weekly event. This was to keep my balance from getting overboard. I did not qualify for the loan. A teeny tiny bit more than 50% of my income went into payments, which is 10% more than the required amount to qualify. Even though my item wasn't much more expensive than $2,000, I still didn't qualify. The Middle Weeks This was by far the hardest week. I only had $200 to spare after my monthly payments, and my weekly event cost me those $200. I had to put that on my credit card, which increased my balance considerably. On top of that, we had just started the project, so it took me a pretty long time to get the hang of things. A credit rating is important because: It allows you to see if you can apply for a loan It allows you to qualify for mortgage payments It allows you to see if you even qualify for a credit card. This is one of the most useful projects I've ever done. It actually taught me that if I let my credit balanced get out of hand, I'll have many financial troubles later on in life. If I can't lower my balance, I can't get any loans, so I learned that I need to e very careful later on in life to not get a horrible credit rating.

Credit Card Presentation

Transcript: Credit Card Origins The Charge-Plate, developed in 1928, was used in the U.S. from the 1930s to the late 1950s. It was a in rectangle of sheet metal related to military dog tag systems. It had customer's name, city, and state. It held a small paper card on its back for a signature. Credit Card Presentation First you have to be 18. Getting approved for the first credit card can be tough, especially if you're under age 21 and have low income. If you don’t have an income, then you’ll have to find someone who’s willing to open up a joint credit card with you. An installment loan is a loan that is repaid over time with a set number of scheduled payments. . The term of loan may be as little as a few months and as long as 30 years. A mortgage, for example, is a type of installment loan. A revolving account is an account created by a lender to represent debts where the outstanding balance does not have to be paid in full every month. APR – Annual Percent Rate Finance Charge- interest charged on amount owed. Principle- Amount of money that is borrowed before any interest is applied. Types of Cards View real-time data on your account usage. The whole thing works wirelessly. This opens up the possibility of it being your driver’s license, student ID, passport, etc. Yanko Design How to Acquire a Debit Card Apply For A bank account then you will be given if you ask for it. Must have a certain minimum amount when opening the account. Teens must have a adult cosigner to open a teen account. Credit Cards of the Future Charge Card- Amount has to be paid in full each month. doesn't harm credit if used properly and is not a good way to gain credit Atm Card - Only Allowed at Atms Debit Card - Can be used at almost anywhere. Can only spend what you have. Credit Card - Helps credit if used correctly can get into debt. Fleet Card- Gas Credit Card type. By:Tracey Ramsey, Casey Pedersen, David Acosta Credit and debit Cards are a small plastic cards issued by a bank or business that allows the holder to purchase goods or services on credit. You Can acquire a mass debt with credit cards. Unlike a credit card, which requires you to pay the bill later, the money comes out of your checking account. This is a great way to avoid spending more money than you have. Debit card are simple but don’t not help gain credit. Common Terms How to Acquire a Credit Card Installment loans Vs Revolving Accounts Debit Vs. Credit

Credit Card Presentation

Transcript: Store Credit Card: Walmart Money Card Location: Washington D.C. Want you to use installment loans as a source of credit They benifit better than any other loan Store: Walmart They are willing to service you with your business and personal needs 0% introductory APR for 12 billing cycles Columbia Bank Bussiness Loan: Commercial Loan Personal Loans: Consumer Loans and Home Loans Features: 1% cashback at Wal-Mart Stores 3% Cashback at Wal-Mart.com Up to 75% in cash-back rewards per rewards year Consumer Finance Company: Nila Location: In New Jersey Credit Card Presentation Larissa Grasso and Alexander Aquino APR: Based on application, flood certification, and real estate tax service Special feature: 1% Cashback Bank: Bank of America Bank Credit Card: Bank Americard Cash Rewards Credit Card

Credit Card Presentation

Transcript: Location - all over the the U.S. Headquarters - Charlotte, NC Bank of America is one of the world's leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. Types of Loans :- Both Personal loans such as home loan, student loan, auto loan and Business (commercial) loans to small businesses. APR’s Auto loans - 2.64% - 3.14% (5 year loan) Home loans - 3.1% - 4% Business (commercial) loans - Competitive rate that considers your overall business relationship with Bank of America. Fee - 0.5% of the amount financed. Bank of America Lord and Taylor CC APR: 25.74% SF: 15% discount, earlier notice of events and sales PR: MAX LATE FEE $35 MAX OVERLIMIT FEE None MAX PENALTY APR None GRACE PERIOD 25 days CASH ADVANCE RATE N/A CASH ADVANCE FEE N/A FOREIGN TRANSACTION FEE N/A Khalid Motorwala & Joe Sicat Intro to Business Mrs. Walzchuk Period: 3 Bank of America card Cash Rewards Credit Card Requirements for loans :- W-2s (for the last 2 years) Recent pay stubs (two most recent consecutive) Bank statements for all financial accounts, including investments (for the last 2 months, all pages) Signed personal and business tax returns (all pages and relevant schedules) If self-employed, a copy of most recent quarterly or year-to-date profit/loss statement Most recent monthly statement for any mortgage, home equity loan or line of credit you hold on your home Special Feature Online-exclusive $100 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening. Earn 1% cashback on every purchase, 2% on groceries and 3% on gas. The 2% on groceries and 3% on gas applies to the first $1500 in purchases from these combined categories, each quarter. After that, the base 1% earn rate applies to those purchases. Choose how you want to receive your cash. Redeem as a direct deposit into a Bank of America® checking or savings account or receive a statement credit. No expiration on rewards and no changing categories to follow so you know how you're earning rewards. Get a 10% customer bonus every time you redeem into a Bank of America® checking or savings account. Store Credit Card Alliance Direct Lending Inc Location: 1301 Lincoln Ave, Orange, CA 92865 Loan Requirements: ADL has made a commitment to make a good faith effort to resolve any consumer complaints. It is a leading automobile finance company that has the tools to make your next transaction or purchase easy. Bank of America card Cash Rewards Credit Card Bank of America APR (Annual Percentage Rate) Purchase intro APR - 0% for 12 months Transfer intro APR - 0% for 12 months Regular APR-13.24% - 23.24% (V) Payment Requirements Max late fee - $37 Max over limit fee - $0 MAX PENALTY APR - 29.99% (V) Grace period - 25 days Online response - Yes Cash advance rate - 16.24% - 25.24% (V) Cash advance fee - 5% (min $10) Foreign transaction fee - 3% Smart chip - Yes, chip-and-signature Credit Card Presentation Consumer Finance Company

Credit Card Presentation

Transcript: Credit Card Comparison By Nick Crites American Express Black Card American Express Black Card -One point per dollar -Rewards include: - memberships -vacations and flights Annual $200 dollars to airport fees Rental car benefits Unlimited first calla upgrades Benefits Benefits Balance must be paid in full each month Initiation fee of $7,000 Must charge $250,000 annually $2,500 annual fee Interest & Fees Interest & Fees There is no credit limit for the Centurion Black Card Credit Limit Credit Limit Elite No credit limits International travel is convienient Perks and membership Express yourself Express yourself Chase Saphire Preferred Chase Saphire Preferred Credit Limit 742 Fees Annual Membership fee: $95 Interest rates vary between 16%-25% No monthly fees unless besides interest Interest Rate and Fees No introductory APR No foreign transaction fee $625 travel bonus with signup Reward point eligible with 5 airlines Auto Rental damage insurance Lost luggage reimbursement Benefits Benefits Affordable Established Rewards What's the Chase What's the Chase JP Morgan Chase Palladium Card JP Morgan Chase Palladium Card Hardly any fees Made of pure platnum and gold Companion first class upgrade 60,000 points per $100,000 First class upgrade with British Airways Fleet of private marquis planes Benefits Benefits $595 annual fee No overdraft fee No foreign exchange fee No late payment fees Must charge $250,000 annually No interst rate Interest and Fees Interest and Fees There is no credit limit Credit Limits Credit Limits Inexpensive buy in Fleet of prive planes Little fees and limits Mor{e}gan is Less Mor{e}gan is Less Coutt's Silk Card Coutt's Silk Card Travel insurance Priority Pass No foreign transaction fee Access to over 700 Airport lounges Cash rewards at certain stores Benefits Benefits $530 annual fee $77,000 spending threshhold Must be paid in full so no intersest rate Interest and Fees Interest and Fees There is no credit limit Credit Limit Credit Limit No real annual fees Access to lounges Cashback on purchases CLOUT CARD CLOUT CARD Which card would I choose? American Express black card Why? Elite Superior rewards system Which Card to add to Cart Which Card to add to Cart

Credit Card Presentation

Transcript: What is a credit card? Convenient payment tool Protection against fraud Able to purchase "big ticket" items and spread out payments Opportunity to establish positive credit history Negative Card Behaviors: Making late payments Paying only the minimum payments Exceeding the card's credit limit Transaction fees: Balance transfer fee Cash advance fee Late-payment fee - charged when holder does not make monthly minimum payment by due date Over the limit fee - charged when holder goes over allotted credit limit Positive Card Behaviors: Paying balances in full every month and on time Applying only for needed cards Checking monthly balance Tempting to overspend Risk of identity theft Responsible for lost or stolen cards Interest can be costly when balance is overdrawn Safety Tips: Sign card w/ signature and "Please see ID" Don't leave cards lying around Immediately report lost/stolen card Close unwanted accounts Shred all pre-approved credit card offers Proper credit card use: Credit Card Fees Understanding Your Credit Card Essentials Why is positive credit card use good? Helps develop positive credit history: What are the disadvantages of credit cards? Types of Fees: Set up/maintenance fees Transaction fees What are the advantages of credit cards? Set up/maintenance fees: Annual fee - yearly fee that may be charged for owning a credit card Set up fee - charge for setting up a credit card (one time fee) Credit cardholders may continue to borrow as long as the credit limit (maximum $$ amount loaded) is not exceeded Credit Card Behaviors Helps earn a higher credit score Pre-approved credit which can be used for the purchase of goods and services, with the promise of payment later

Credit Card Presentation

Transcript: By: Aj Wise 0% APR for first 15 months 11.99%-19.99% standard rate Travel Card Accepted Anywhere Discover No Annual Fees 5-20% Cashback 1% cashback automatically on all purchases Bank Card No Annual/Monthly Fee Accepted Anywhere Chase Freedom Mastercard 0%APR for first 12 months Regular APR 11.99%-22.99% BANK CARD ACCEPTED ANYWHERE Visa Capital One Venture Card No Annual Fees 0% APR for 12 months 11.99%-22.99% standard APR Kohl's Charge Card Retail Card Accepted at Kohl's stores accross the US No Annual Fee 21.90% Fixed Interest Rate Save over $170 annually by using 12 times a year Credit Cards Cabela's Club Visa Retail Card Accepted where ever Visa cards are accepted No annual fee 11-99%-21.99% APR Standard 2% cashback on all Cabela purchases By: Aj Wise

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