Budgeting
The amount of money you take home after taxes.
It is suggested to keep your credit utilization under ______ %
What is 30%
A software app or online service that stores your credit, debit and loyalty card information securely.
What is a digital wallet
What is the first line of the UAPB Alma Mater
What is " State college we greet thee with love and devotion"
Food, water, lights, gas are all examples of what ?
What are needs/necessities
These three bureaus exhibits a picture of your credit history.
Who is Equifax, Experian and TransUnion
Most common virtual wallets used.
what is Apple Pay, Google Wallet, Venmo/PayPal
Entering your password and your Fingerprint, Face ID or numerical code are examples of__________
Multi-factor authentication (MFA)
J.C. Corbin
It's Wednesday and all of your friends are going to The Mighty Crab Friday night. They tell you that a seafood bag is $77. Payday isn't for another week and you only have $100.00. Eating out is an example of a _________.
What is a "want" or "non-essential lifestyle choice"
True or False: A soft inquiry is when a companies checks your credit score and results in you score dropping.
False- A soft inquiry is when you check your own score and does not hurt your score.
This payment option allows you use to conveniently pay by hovering your device
what is Tap to pay
When looking in your mobile banking app, this is the amount of money you can spend RIGHT NOW.
What is available balance
The Chancellor of the institution
who is Dr. Anthony Graham
The 50/30/20 Rule says to allocate 50% of you income to needs, 30% to wants and 20% to _________.
What is savings
A detailed history of you payment habits, credit accounts and public records.
What is a credit report
You can also use your virtual wallet to purchase these when preparing to travel.
What are bus, airline tickets
Apps you can use to split items like groceries and rent.
What is Cash App, Venmo or Zelle
The Academic Advisement Specialist
Ms. J. Burns
Bills that stay the same every month are called ______ ________.
What are fixed expenses
Payment History, Amounts Owed/Credit Utilization. Length of Credit History, Credit Mix and New Credit/ Inquiries are used to calculate this.
What is FICO Scores
True or False: Using face id, fingerprint or strong passcodes to authorize every payment is a good security measure.
what is True
This happens when you spend more money than what you have in your account and the bank pays it for you.
What is overdraft
You did this on your midterms
what is GREAT