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Learn all about using credit and credit cards.
 

CREDIT CARD LESSONS

 

This section includes lessons on consumer credit cards, credit, and paying interest.  Learn about credit with an introduction to credit cards, reading a credit card statement, and advanced lessons regarding incorrect credit card transactions.

 

Also, see our spending money category for more consumer related material.

 

 

 

 

UNDERSTANDING CREDIT AND CREDIT CARDS

 

Credit cards, like loans, allow you to build up a credit history.  This may help you with credit related activity such as getting a student loan, car loans, renting an apartment, or buying a house.  Credit cards are also convenient since they provide a reduced need to carry cash or checks, and provide security in case of an emergency.

 

However, credit cards are not for everyone, and if you have one you need to act responsibly.  You need to be able to afford a credit card, and also need to try to pay off the balance each month.  The over-use of credit cards has been a major reason why so many individuals have too much debt, and why bankruptcy rates are high.

 

Consumers are bombarded with offers from credit card companies, offering various incentives and interest rate options.  For those that fall into the credit trap, being in debt seems almost forever.  Meanwhile, high interest charges and late payment fees eat up most of their available money.  Many credit card holders do not even know how much they are paying in interest, and what impact it has on their overall financial well-being.

 

Use the following lessons to help teach and learn credit card basics:

 

CREDIT CARDS - LESSONS AND WORKSHEETS

 

INTRODUCTION TO CREDIT CARDS

   

Credit Card Introduction Lesson Plan

Introduction to Credit Cards

A worksheet introducing students to credit cards, credit, and paying interest.

CREDIT CARDS AND HOW THEY WORK

   

Credit Cards and How They Work

Students learn how credit cards work.  Learn about the concept of credit, and how you are charged for using a credit card.  Also information on debit cards.

CASH VERSE CREDIT

   

Cash verse Credit

An introduction to the concept of using cash verse using credit cards.  Students learn why credit cards may be good or bad, depending on how they are used.

CHOOSING THE RIGHT CREDIT CARD

   

Choosing the Right Credit Card

Students learn important criteria for choosing a credit card and the importance of using credit wisely.

READING A CREDIT CARD STATEMENT

   

Reading a Credit Card Statement

An introduction to reading a credit card statement. Learn to read and identify the important items on a monthly credit card statement.

CREDIT CARD STATEMENT INCORRECT TRANSACTIONS

   

Credit Card Statement - Incorrect Transactions

Advanced practice reading and correcting a monthly credit card account statement.  Students must identify and correct their monthly statement.

ADDITIONAL LESSONS - BORROWING MONEY

   

Borrowing Money: Remember the Interest

Students learn about the reasons and responsibilities of borrowing money.

Sources of Credit: It Is In Your Interest?
Students learn about sources of credit and calculating interest rates.

Your Credit Score
Students learn about credit scores.

Consumer Credit Legislation
Students learn about consumer credit legislation.

ADDITIONAL LESSONS - CREDIT AND CREDIT CARDS

   

Credit Cards: More Than Plastic

Students learn about credit cards.

Credit Cards: Shopping Online
Students learn about online shopping with credit cards.

Beware! Consumer Fraud

Students learn about consumer fraud.

Beware! Identity Theft
Students learn about identity theft.

INFORMATIONAL ARTICLES ON CREDIT CARDS AND CREDIT

   

Using Credit Cards
Advantages and disadvantages of using credit cards.

 

Using Credit Wisely
Learn why we have such poor credit habits, and what we can do to use credit wisely.

 

Federal Protections for Credit Card Users
Understand your Federal protections for consumer credit card holders.

 

How to Prevent Credit Card Fraud
Here is some helpful information on preventing credit card fraud.

 

What's your Credit Score?
Understand your credit score for applying and qualifying for a mortgage loan.

 

More on Credit Cards, Consumer Credit, and Debt Management Informational resources on using credit cards wisely, credit repair, reducing credit card debt, basics on understanding credit reports, tips, advice, and help for managing debt, debt consolidation, student loans, understanding bankruptcy, how to consolidate credit, and more.




   

             

 

 

More Teaching Earning and Spending Money Worksheets and Lessons

  

 

 

For more material on money, personal finance, money management, business education, careers, and life skills, please go to the Money Instructor home page.

 

Lessons appropriate for: 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th Graders.  Third Grade - Fourth Grade - Fifth Grade - Sixth Grade - Seventh Grade - Eighth Grade - Ninth Grade - Tenth Grade - Eleventh Grade - Twelfth Grade - K12  - Adults

Teaching Credit Cards to High School Students - Adults - Special Education - Teens - Teenagers - Kids - Children - Credit Card Lesson Plan - Special Education - Teens - Teenagers - Kids - Children - Young People - Middle School - High School Students


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