Term Answer Description Using this type of plastic payment card exposes you to a loss of $50 to $500, depending upon the circumstances of the loss" if the card is lost, stolen, or fraudulent transactions are made using this card A. This form of open credit is secured, or collateralized, by the existing equity in a home This is the process of evaluating the credit worthiness of a credit applicant via the assessment of an applicant's credit report and the calculation of a credit score Debit card B. FICO Score C. Reward card This is a professional financial advisor who assists consumers in danger of bankruptcy in formulating a budget that facilitates the repayment of debts and setting reasonable spending limits This refers to a bank credit card that combines features of a traditional bank credit card with an additional incentive, such as cash or merchandise rebates, airline tickets, or investments This is one means by which to obtain a cash advance from the bank that offers a credit card D. Convenience E. check Home equity credit line F. This is the name given to interest rates offered by banks to new credit cardholders, which are only effective for the first 6 to 12 months of the cardholder's account Credit counselor G. Secured card This is the most widely used value in the United States to help banks and other institutions make lending decisions. Applicants with relatively high values might be offered lower interest rates on mortgages or other loans, or a higher credit limit H. Under this piece of federal legislation, only one over-the-limit fee can be imposed on a cardholder's account per billing cycle This credit card is useful for people with no credit or bad credit histories, and requires the card holder to invest in a certificate of deposit that can be used as collateral for the card Teaser rate I. Credit Card Act of . 2009