TAILIEUCHUNG - What You Should Know About...Using Credit

On home foreclosures, the rate has risen sharply especially for subprime borrowers with adjustable rate mortgages. Many analysts expect foreclosures to hit about 2 million this year, way up from the annual rate in 2001 to 2005. It has been estimated that if US housing prices fall by an additional 15 percent or so, approximately a third of US homeowners with mortgages will have negative equity in their homes. This negative equity issue is also raising the question of whether willingness to pay will have to be addressed along with ability to pay. Last but not least, one place where contagion. | What You Should Know About. Using Credit CREDIT CARDS ARRANGING A LOAN INTEREST RATES YourMoneyCounts For most people using credit is an essential part of daily life. You might already use credit through credit cards or a loan without knowing exactly how it works. While it s easy to do that you ll want to learn as much as you can regarding this very important subject. Credit or the ability to borrow money can be a powerful tool in reaching your financial goals. Or it can be a hidden enemy for those who do not have a spending plan or do not develop and maintain responsible credit management behaviors and skills. 2005 HSBC Finance Corporation. All rights reserved. This content is provided as educational material only and is not intended to solicit you for any product or service. These materials are not a recommendation by HSBC for any product service or financial strategy. The suggestions and recommendations contained within are general in nature and may or may not apply to your particular circumstances. Securities annuity and insurance products are not FDIC insured or insured by any federal government agency of the United States subject to investment risk including possible loss of principal invested. All decisions regarding the tax implications of your investment s should be made in connection with your independent tax advisor. Should you need further assistance HSBC strongly recommends contacting an independent attorney tax professional or financial consultant. How credit works Chances are you re familiar with credit. It s a convenient way to make purchases from small regular ones like groceries to large unique ones like homes or cars. But you may not be sure what happens when you use a credit card or take a loan the two most common examples of using credit. Learning more can help you cut costs and avoid using more credit than you can afford. The cost of using credit When you use credit you re borrowing someone else s money. You agree to pay it back at a certain .

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