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Term #4

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Submitted By mtrxth504
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Project #4

1. A At the end of 6 months the balance would be 1954.91. See sheet one attached 1. B With the numbers and formula given it would take 24 months to pay off the complete balance with an over payment of 5.46 in month 24. See sheet one attached
Deeper Trouble- With the monthly payment being knocked down to 125 monthly and all other numbers staying the same it took 91 months to pay off the complete balance with an over payment of 46.32 in the 91st month. See sheet two attached

2. I have always been leery of getting anything like a credit card thinking that it might mess me up in the long run because I’m not currently stable enough to make sure that the debt I have ran up will be able to be paid this the manor it needs to be paid to benefit me in the long run. The only strategies I have on the use of credit cards is to not have them at all. But recently I actually did get a prepaid credit card to I can try to start building my credit. I liked this because everything I do with that card is my money s if I want to close that account the money I don’t use will be given back to me instead of me owing the bank. Another thing that I liked about this card is that if I spend 50 dollars a month and pay that full balance by the due date, instead of just the minimum balance I don’t have to pay interest. The APR on this card is 2.5% and it gives you two years to pay it off. This is not a real credit card just has some similar characteristics.

The first credit card I chose was the journey student rewards card. This visa card is threw capital one. This card is targeted towards students with a credit limit or fair credit. This card has perks like no annual fees and 1% cash back on all purchases and if you pay your payments on time you get an extra 25% cash back rewards as well. The cash back rewards don’t expire which is good because you never

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