Personal Financial Literacy Cartoon Strip
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- Hi Mom! At school today, I heard some of my friends talking about "credit cards." What's that?
- Hello! A credit card is a pre-approved loan, used for purchases that you receive now, but you pay for them later. Let's go to the kitchen!
- Aww man :( What is a co-signer?
- My friends told me they get to buy a bunch of cool things with their own credit cards. Can I have one?
- A co-signer is someone who, along with someone else, applies for a credit card or loan. The co-signer, along with the borrower are EQUALLY responsible for the debt that may accumulate on the credit card.
- You are not old enough to have your own credit card. Your friends are not old enough either. Their parents or guardian are their co-signer
- I know this may be a lot to know. Let me take you to get a haircut!
- YAY! OKAY!
- What school do you go to? I go to Stoney Rock Middle School.
- I go to Richard Middleton High School
- Get candy store credit today!!! Hey you! Yes you! Would you like credit in this store today?
- hmmm... what is credit?
- OHHH!! Next time we go to the candy store, can we apply for credit there, please?
- Mom! I'm so sorry for asking so many questions but what is credit?
- Credit is when goods, services, and money are received in exchange for a promise to pay back a certain sum of money at a future date.
- ... hmmm... I will think about it :)
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