Critical Consumer

4. A type of credit card that’s requires a deposit.
8. The original amount of money you borrowed (before interest joins the party).
10. What you own minus what you owe. Your financial big picture.
12. Someone whose opinions might make you buy shampoo, sneakers, or a lifestyle.
13. A shady trick to get your money, info, or both—often too good to be true.
14. Money you owe—often the not-so-fun part of finances.
16. fixed payments over time, like a car loan or student loan.
18. This factor has the biggest impact on your credit score
20. A risky scheme where stocks are hyped with false info, then sold off for profit.
21. The Goveernmet agenct that sets tax laws.

1. How much of your credit you’re using vs. how much you have.
2. Deceiving someone for financial gain.
3. The “thank you” fee lenders charge you for using their money.
5. A detailed file showing how well you’ve managed your money and debts.
6. An item you promise the lender in case you can’t pay your loan.
7. Borrowed money you have to pay back—sometimes with a little extra.
8. A sneaky scam where crooks pretend to be legit online to hook your passwords and personal info.
9. When debts get too deep, and you ask the court for a fresh start.
11. Type of credit where you Use it, pay it, repeat—like a credit card with a limit.
15. A 3-digit number that tells lenders how trustworthy you are with borrowed money.
17. The set time you have to pay back a loan.
19. Theft When someone “borrows” your personal details to open accounts or make purchases in your name.