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Harris County Federal Credit Union

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Credit Card Quiz

Please complete all questions. Mark the best answer from the choices given. At the end of the quiz, you will be given your quiz results.

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According to the module, it's easy to obtain credit, so what should you consider?*
- A) Annual fees
- B) Rewards
- C) APR
- D) Late fees & credit limit
- E) All of the above
How did the CARD ACT restrict credit cards?*
- A) Notifications required
- B) Payment dates and acceptable times
- C) Age restrictions
- D) None of the above
- E) All of the above
APR means*
- A) Auto Purchase Rating
- B) Annual Percentage Rating
- C) Annual Percentage Rate
- D) Another Poor Rate
- E) Automatic Payment Rate
Which describes characteristics of a credit card?*
*select all that apply
- Payment required at a later date
- Interest accrues on purchase amount
- Credit history can be affected
- Payment required same day
- Credit is not affected by over drafting
It's a good idea pay at least the minimum payment each month.*
True / False
- True
- False
You don't have to watch what you spend because you can charge and only pay what you can later when the bill is due.*
True/False
- True
- False
It's better to do a payday loan than open a credit card when you need a large amount of money at one time.*
True/False
- True
- False
A secured credit card ...*
*select all that apply
- can help build credit.
- can harm your credit.
- has large fees associated with it.
- can have a high interest rate.
- gives a chance for high risk borrowers to start over.
Which is the better credit card offer?*
- A) 7.9% APR; $0 annual fee, $0 balance transfer fee, $0 cash advance fee; $25 late payments & return payments.
- B) 9.9% APR; $0 annual fee, 5% balance transfer fee, 2% cash advance fee & 12% APR; $10 late payment & $20 return payment fee.
- C) 0% APR for 6 months & 17% thereafter; $0 annual fee, $0 balance transfer fee, and 2% cash advance fee; $10 late payment fee, & $15 return payment fee.
- D) 4% APR; $20 annual fee, 1% cash back, 5% balance transfer fee, $50 cash advance fee, $50 late payment and return fee.
It's better to have...*
*complete the sentence with the best possible choice.
- A) no credit than bad credit.
- B) bad credit than no credit.
- C) secured credit than bad credit.
- D) bad credit than secured credit.
- E) ok credit than no credit.

Thank you
Thank you for taking our short quiz. We hope you enjoyed the material available. Please complete the following to receive credit for taking the course. You can print the confirmation page after submission for your records. If you're interested in participating in any auto loan promotions, be sure to check the box at the end.
Name*
First Last
Member ID:*
Please enter a number from 1 to 307000.
Phone*
Email
Have you applied for a loan?*
- Yes, in person
- Yes, online
- No, I plan to
- No, not now
Who is/will be your Loan Officer?*
- Dawn
- Regina
- Tamera
- Roberto
- Don't have one/Don't know
Would you like to be informed of our upcoming loan promotions?*
- Yes, direct mail
- Yes, email
- No, thank you

Copyright © 2024 Harris County Federal Credit Union
Routing Transit Number: 313083471 NMLS #458547
1400 Franklin Street, Houston, TX 77002
Phone: (713) 755-5160 | Fax: (713) 755-8982
Privacy Policy | *APR = Annual Percentage Rate

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Credit Card Quiz

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