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Credit Card Act of

No Retroactive
rate
2009
increases

Cant raise your rate for old


purchases unless you are
more than 60 days late

Advance notice of rate


changes
45 days in advance; used to
be 15

Fee restrictions

Credit Card Act of


Age restrictions
2009 contd

Under 21 must have co-signer


Campus promotions (pizza, etc.)

Companies must apply payment


to higher interest rates first
Used to pay off the balances with
lower interest rate

More time to pay


Companies must send statements
at least 21 days before due
Used to be 14 days

4th Hour
#1 #2 #3 #4 #5
Tanner

Zoe

Sammy

Summe
r

Megan

Alayna

Nikki

Kimberl
y

Jeremia
h

Jared

Jon

Hunter

Anthon
y

Adam S.

Riley

Kaitlyn

Dakota
h

Angelic
a

Nate

Kyle

bank
credit union

bank
credit union

Bank

bank
credit union

Checkin
g&
Savings

Bank

bank
credit union

Deposit
s

Checkin
g&
Savings

Bank

bank
credit union

FDIC

Deposit
s

Checkin
g&
Savings

Bank

interest
benefits
travel
points/miles
stores

interest
benefits
travel
points/miles
stores

interest
benefits
travel
points/miles
stores

interest
benefits
travel
points/miles
stores

interest
benefits
travel
points/miles
stores

TFCU
Members
Non-profit

TFCU
Members
Non-profit

TFCU
Members
Non-profit

TFCU
Members
Non-profit

TFCU
Members
Non-profit

Bank
Balance
Sign/Signatur
e

Bank
Balance
Sign/Signatur
e

Bank
Balance
Sign/Signatur
e

Bank
Balance
Sign/Signatur
e

Bank
Balance
Sign/Signatur
e

investment
stocks

investment
stocks

investment
stocks

investment
stocks

investment
stocks

check

check

check

check

check

Credit card
Benefits

Credit card
Benefits

Credit card
Benefits

Credit card
Benefits

Credit card
Benefits

bank

bank

bank

bank

bank

house/home
real estate

house/home
real estate

house/home
real estate

house/home
real estate

house/home
real estate

Interest
percent

Interest
percent

Interest
percent

Interest
percent

Interest
percent

Credit card
Pay/Payment

Credit card
Pay/Payment

Credit card
Pay/Payment

Credit card
Pay/Payment

Credit card
Pay/Payment

Reconciliation

Reconciliation

Reconciliation

Reconciliation

Reconciliation

Shopping
Online
Internet

Shopping
Online
Internet

Shopping
Online
Internet

Shopping
Online
Internet

Shopping
Online
Internet

Check register
Card
credit

Check register
Card
credit

Check register
Card
credit

Check register
Card
credit

Check register
Card
credit

Financial
Institution

Financial
Institution

Financial
Institution

Financial
Institution

Financial
Institution

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