10主題6

信用卡與債務管理

使用信用卡免利息，制定有效的還款計畫，並自信地處理債務催收、法院文件和醫療帳單。

課程： 3 總共大約 49 分鐘

信用卡可以幫助你建立信用，也可能成為昂貴的債務。這三堂課教你如何免利息使用信用卡、如何制定還清已負債的計畫，以及當債務催收員來電或醫療帳單到來時該怎麼做。它們在《成人理財智慧》第8和第9模組基礎上，包含有效電話號碼、電話腳本、範例信件，以及華盛頓特區、馬里蘭州和維吉尼亞州的現行規定。

建立在成人理財智慧之上

Use a Credit Card Without Paying Interest

How the grace period works, how to read your statement, why paying only the minimum costs so much, and which card features to avoid.

大約 15 分鐘測驗題目： 5
Make a Plan to Pay Off Debt

List your debts, compare the avalanche and snowball methods with real numbers, call your creditors for help, and find debt help you can trust.

大約 16 分鐘測驗題目： 5
Dealing with Debt Collectors and Collection Lawsuits

Your rights with debt collectors, a sample dispute letter, old debts, what to do with court papers, and new medical bill rules in DC, Maryland, and Virginia.

大約 18 分鐘測驗題目： 5