What term in the consumer lending field does each of the following statements describe?

a$.$ Plastic card used to pay for goods and services without borrowing money.

b$.$ Loan to purchase an automobile and pay it off monthly.

c$.$ If you fail to pay the lender seizes your deposit.

d$.$ Numerical rating describing likelihood of loan repayment.

e$.$ Loans extended to low$-$credit$-$rated borrowers.

f$.$ Loan based on spread between a home's market value and its mortgage balance.

g$.$ Method for calculating rebate borrower receives from retiring a loan early.

h$.$ Lender requires excessive insurance fees on a new loan.

i$.$ Loan rate lenders must quote under the Truth in Lending Act.

j$.$ Upfront payment required as a condition for getting a home loan.