Across
- 1. A plastic card from banks like KCB or Equity that lets you spend money you already have by pulling it directly from your own bank account.
- 3. The legal "Terms and Conditions" you must accept before accessing a loan or BNPL service.
Down
- 2. To take money with a legal promise to return it at a later date.
- 4. How a lender classifies your loan when you fail to make your agreed regular payments.