4. What is the range of possible FICO scores that one can get? What is the average score of American's in 2017? What credit score range is considered very good? Answer: 5. John has $5,000 in credit card debt and decides not to pay it for 3 years. Finally, her credit card company reaches out at the end of 3 years and demands immediate repayment. What is the amount due that she will have to pay in 3 years, assuming the credit card charges 19% annually? Answer: 6. The Credit CARD Act of 2009 was created to ensure that consumers are treated fairly and have access to complete information regarding fees and other provisions of the credit agreement. What restrictions are in place for cardholders younger than 21 as a result of this Act? Answer: