Students will learn how credit and debit cards work and will be able to: 
•	Discuss the important features of credit card use: high-interest rates, penalties, effects on your credit score, protection against stolen cards/fraud, rewards, etc.
•	Explain why paying the minimum amount on your credit card bill is not financially responsible.
•	Identify several advantages of using credit cards
•	Identify several disadvantages of using credit cards 

As a tenured, certified Business Teacher I taught personal finance and classes on credit card use to tweens.  I know that many of these students do not understand the basics of credit cards, debit cards, and gift cards.  They will learn that interest is charged on credit card loans.  This lack of knowledge is unfortunate and can likely lead to young people making poor financial decisions and getting deep into debt.  That's why it's critical for tweens to learn how to save, borrow, and use credit cards responsibly BEFORE they use a parental credit card or get one of their own.

Based on my extensive experience teaching this subject, I know how to make it interesting and memorable.  I use video clips and engaging handouts to make the content  easy to understand and remember.  This class is interactive, not lecture based, so students will have the opportunity to discuss, share experiences, and ask questions.  

Based on my extensive experience teaching Entrepreneurship and marketing, I know how to make it interesting and practical.  I use video clips and engaging handouts to make the content  easy to understand and put into action.  This class is interactive, not lecture based, so students will have the opportunity to discuss, share experiences, and ask questions.  

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