What does a credit card represent? (4 words)

What is a line of credit or "credit line?" (answer needs to be word-for-word from the article and spelled correctly in order to count) *11 words

When you have a credit card, what is the bank allowing you to do? *10 words, directly from the article, spelling counts!

Why do you think the credit card companies make it so easy for people to obtain a credit card? (your thoughtful opinion)

What is a credit card NOT a source of? (*2 words, directly from the text, spelling counts!)

There are many _________ and ________ when you have a credit card. (3 words, I do want you to include the word "and" in your answer)

A credit card's average annual fee is:

• $45

• $75

• $40

• $70

"APR" is an abbreviation for what? (*3 words, spelling counts!)

What does a high interest rate mean for a credit card holder? (7 words, from the passage, spelling counts!)

About how much is a late fee usually?