61) T-bills are extremely safe investments, having been isued by the federal government 61) eam merest rate earned on a money market deposit account is generally higher than the interest 62) earned on a Bank savings account )Your bank may offer a line of credit, a credit card, or a link to your savings account to cover transactions when you overdraw your account 63) 64) For a consumer who does not have a checking account a prepaid debit card is a means of paying for 64)_ goods and services 65) If you only use your debit card and ATM card and rarely write paper checks, overdraft protection 65)_ 65) is still a good thing to have. 66) Overdraft protection is an automatic loan made to your checking account whenever your account6) does not contain enough cash to cover the checks that you have written against it. 67) A money order is typically less liquid than a personal check 68) When you use your debit card or ATM card, you should enter the transaction into your check 69) A debit card is something of a cross between a credit card and a checking account 67) 68) 69) 70) Using your credit cards for cash advances is a relatively cheap way to borrow money because you 70 yments. 71) usually do not start paying interest until the next billing period. 71) Most credit cards offer a 31- to 35-day grace period from the date of the bill to make pa 72) For the average consumer there is usually a set limit on open or revolving credit accounts 73) Credit purchases made for personal needs like home mortgages or car loans are referred to as 72) 73) revolving credit. 74) interest rate, change certain fees (such as annual fees, cash-advance fees, and late fees), or make other significant changes to the terms of your card. 74) Your credit card company is required to send you a notice 45 days before they can increase your 75) A convenience user of credit cards is someone who pays off the credit card balance each month. 75) 76) A secured credit card is a good tool to help establish credit 7n Crystal tried to use her Macy's credit card at Target but was unsuccessful because her Macy's credit 77) 76) card is a single-purpose card and can only be used at Macy's. 78) 78) One of the more important factors in determining your credit score is the length of your credit history