Lessons in Personal Finance: Understanding Debit and Credit

A 1hr Course dedicated to teaching you about Debit Cards, Credit Cards and Credit Scores!
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  • Lectures 13
  • Contents Video: 1 hour
  • Skill Level All Levels
  • Languages English
  • Includes Lifetime access
    30 day money back guarantee!
    Available on iOS and Android
    Certificate of Completion
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About This Course

Published 6/2015 English

Course Description

Course Description

“Every time you borrow money, you're robbing your future self."

― Nathan W. Morris, Economist

“The number one problem in today's generation and economy is the lack of financial literacy"

- Alan Greenspan, Former Chairman of US Federal Reserve

Do you want to improve your financial literacy?

Do you want to know which credit card to get?

Do you want to know how to use credit cards?

Do you want to know how your credit score really works?

Do you want to know how to avoid credit card debt?

Do you want to know a key part to obtaining financial freedom?

If so, then this is the right course for you!

It's a short and practical course on debit cards, credit cards and credit scores that will lay the foundation of your financial literacy:

  • Understand the benefits of both debit cards and credit cards
  • Learn about the key differences of debit cards and credit cards
  • Know when to get your first credit card
  • Learn how to compare and contrast different types of credit cards
  • Understand what it means to have good credit and how to get there
  • Compare minimum payment options with credit cards
  • Learn how to clear up an error on your Credit Report
  • Be able to make your own financial decisions around your credit cards based on learned financial literacy

In this short, but effective course you will learn all you need to know about Debit Cards, Prepaid Cards, Credit Cards, Credit Scores, Credit Payments and Credit Reports. Learn the subtleties of personal finance from someone who has expertise in the field. Get ahead of the curve in financial literacy and make a truly positive difference in your life!

The instructor of this course has extensive experience in the world of finance:

  • Worked for several years on Wall Street at the top Investment Banks within the Retail Investing and Private Banking divisions.
  • Has experience working with retail and corporate clients, as well as high-net-worth individuals

By the completion of this course you will:

  • Know what comprises your credit score
  • What measures to take to ensure a high (more desirable) credit score
  • Where to obtain a FREE Credit Report
  • Know when the right time is for you to get a credit card
  • Understand how to evaluate different credit card options
  • Know why paying minimum monthly payments can land you in unwanted debt

About the course:

  • No previous experience is needed in order to understand the course well and fully benefit from its content
  • You can always contact us for any clarification completely free of charge
  • The goal is to take your financial literacy skills to the next level

This course is the first in a series of courses designed at teaching and solidifying one's personal financial literacy. Specifically this course is suitable for those who want to learn more about obtaining credit and the functionality of credit cards. You can never rely on others to make important choices on your behalf. Acquire the tools that will allow you to make the confident decisions required to be independent and successful!

So what are you waiting for? Just go ahead and subscribe to this course! If you don't acquire these skills now, you will miss an opportunity to separate yourself from the others. Don't risk your financial future! Let's start learning!

What are the requirements?

  • NONE! You are already qualified!

What am I going to get from this course?

  • 13 lectures and 1 hour of content!
  • Understand the benefits of both debit cards and credit cards
  • Learn about the key differences of debit cards and credit cards
  • Know when to get your first credit card
  • Learn how to compare and contrast different types of credit cards
  • Understand what it means to have good credit and how to get there
  • Compare minimum payment options with credit cards
  • Learn how to clear up an error on your Credit Report
  • Be able to make your own financial decisions around your credit cards based on learned financial literacy

What are the requirements?

  • You don't have to come in with any prior knowledge. We will teach you all you need to know!

What am I going to get from this course?

  • • Understand the purpose and role of credit and explain the value of building and maintaining a healthy credit rating.
  • • Describe the risks and responsibilities associated with using credit such as late fees, finance charges, default rates, interest, and closing costs.
  • • Calculate how long it takes to repay credit card debt making minimum payments on installment loans and revolving accounts.
  • • Evaluate and identify components of a credit report and the warning signs of credit abuse such as late fees, missed payments, collection notices and bounced checks.
  • • Understand the legal right to a free annual credit report

What is the target audience?

  • If you didn't learn about credit cards in school or from your parents (most of us didn't), this course is for you!

What you get with this course?

Not for you? No problem.
30 day money back guarantee.

Forever yours.
Lifetime access.

Learn on the go.
Desktop, iOS and Android.

Get rewarded.
Certificate of completion.

Curriculum

Section 1: Lessons in Personal Finance
Introduction
Preview
01:54
Section 2: Debit Cards
Overview of Debit Cards
Preview
03:42
Debit Cards vs. Prepaid Cards
Preview
02:50
Section 3: Credit Cards
Credit, Creditors and Forms of Credit
Preview
01:18
14:28

After completing the lecture students will understand:

- Advantages and Disadvantages of credit cards

- When to get a credit card

- How to decide on what card to get

- How to compare and contrast different types of credit cards

03:10

After completing the lecture students will understand:

- When to use their credit card

Debit Cards vs. Credit Cards
00:56
Section 4: The Credit Process
05:14

After completing the lecture students will understand:

- How credit is rated

- What good credit means

- What makes up a good credit score

03:57

After completing the lecture students will understand:

- How Credit Bureaus work

- How to get good credit

- How to improve credit scores

Credit Card Types
03:30
Section 5: Credit Costs, Trouble and Reports
03:15

After completing the lecture students will understand:

- The problem with paying only the minimum credit card payment

03:56

After completing the lecture students will understand:

- How bad credit can cost you

- Credit trouble warning signs

- How to correct bad credit

02:56

After completing the lecture students will understand:

- How to check personal credit reports annually

- How to correct credit reporting errors

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Instructor Biography

Joy Oscar, Financier & Teacher

Hi I'm Joy Oscar, a financier and private teacher. In my line of work and day to day interactions I often see bright minds that lack practical guidance in their Personal Finance. It's not their fault, it's only due to lack of exposure. It is my goal to help with my series on Personal Finance. With a credit score over 800. A multi-home owner from the age of 22, I have built up quite a bit of expertise on managing your personal finances.

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