Credit and debit crossword challenge

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Across
  1. 1. Plastic card that directly withdraws money from a bank account
  2. 7. A number that shows how risky it is to lend to you
  3. 8. Loan not backed by collateral
  4. 9. Cost of borrowing money
  5. 11. Penalty for missing a payment
  6. 12. Original amount borrowed or invested
  7. 14. When you spend more than your account balance
  8. 15. Money taken directly from your account
  9. 18. Credit card backed by a cash deposit
  10. 19. Amount owed on a credit account
  11. 20. Smallest amount due on a credit card statement
Down
  1. 2. Loan repaid with regular, fixed payments
  2. 3. Time after the due date before interest is charged
  3. 4. A record of your borrowing and repayment history
  4. 5. Person who agrees to repay a loan if you don't
  5. 6. Borrowed money that must be repaid later
  6. 7. Plastic card used to borrow money for purchases
  7. 10. Extra charges for using credit or overdrawing accounts
  8. 13. Credit that can be used repeatedly up to a limit
  9. 16. Annual cost of borrowing money, expressed as a percentage
  10. 17. Maximum amount you can charge on a credit card