Glossary of Terms

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Daily Periodic Rate
The daily periodic rate is your annual interest rate expressed on a daily basis. It equals 1/365th of your annual percentage rate.
Debit Card
Purchases are deducted directly from the consumer's personal checking account.
Deferred Payment
Payment put off to a future date or extended over a period of time. Watch out for skip-a-month offers. Interest still accumulates when you skip a month.
Discount
An amount deducted from the regular price for those who purchase with cash instead of credit.
Due Date
The day a payment is due to a creditor. After that date, a late fee can be charged and the payment can be recorded as late, or the account can be considered delinquent.





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