What's your credit card IQ?

	A device by which a bank extends you an instant loan, which you agree to pay.
	A plastic device with a magnetic stripe or embedded chip that consumers can use to pay for purchases directly from their checking accounts.
	My worst nightmare.
	Credit cards are the instruments through which the Trilateral Commission drains the wealth of nations into the hands of just a few members of their secret society.

	Accelerated percentage rate.
	Average percentage rate.
	Annual percentage rate.
	Anticipated performance rate.

	True.
	False.
	True, unless you use convenience checks or get cash advances.

	No. The issuer is bound by the terms of the contract, just like the consumer.
	Yes, but only after going through the Federal Reserve Board for permission.
	Yes, after giving consumers 15 days' notice.
	No, thanks to the landmark 1987 Supreme Court ruling in re Ferguson v. GigaBank, a Delaware corporation.

	Your credit score will rise; credit scoring algorythms recognize this as responsible behavior and reward it.
	Your credit score is likely to fall.
	Canceling a credit card has no impact on your credit score.

	They provide processing networks that authorize and settle transactions.
	They're the companies that consumers borrow money from to make credit card transactions.
	They're the credit version of Fannie Mae and Freddie Mac, established under federal charter to encourage consumers to borrow on credit cards, because the federal government believes that freely flowing credit is good for the country.
	They're voluntary associations using copyright free trademarks to establish international branding and marketing in a Web 3.0 paradigm.

	... impossible. Credit scores don't work that way.
	... legal, but only in community property states.
	... called piggybacking, and it's used most often to help boost the credit score of a child, spouse, or other person who has new or tarnished credit.
	... possible, but best left to certified financial planners, since it employs arbitraged hedge funds.

	The collateral, the principal and the late fee.
	The prime rate plus the fed funds rate.
	Your average daily balance multiplied by the prime rate.
	The prime rate plus a margin.

	Your payment history.
	The amounts owed.
	The length of time you've had credit.
	How much new credit you have.
	The mix of credit types.
	Whether you own versus rent your home.

	Your credit score could go up.
	Your interest rate could go up.
	Your credit score could go down.
	You could be hit with late fees.
	You could be turned over to debt collectors.
	Your wages could be garnished.
	Dandruff.