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| CLUES ACROSS | CLUES DOWN |
| 1. A ______ ____ is a little rectangular piece of plastic used instead of cash or checks as payment for goods and services, and can also be used at many different places (2 words). | 2. ____ is something owed. |
| 3. Penalty for not making payments by due date (2 words). | 4. __________ refers to what you own -- money in the bank or property. |
| 5. You will need this if you want to buy now and pay later (2 words). | 6. A financial plan that keeps track of income and expenses. |
| 7. Person responsible for repaying a debt if the borrower defaults (hyphenated word). | 8. The price paid for the use of someone else's money (2 words). |
| 9. This card requires full payment when you receive the monthly statement (2 words). | 12. Establish a _______ account to pay yourself first. |
| 10. A report to a prospective lender or employer on the credit standing of the applicant. | 13. Credit cards are not a substitute for ____. |
| 11. The only credit reporting agency to implement a Y.E.S. program to give high school students an understanding of good credit practices and good personal finance behavior. |