Sunday, December 8, 2013 Search:

### Calculator: What's Your Credit Quotient

Credit makes a lot of the things we need and enjoy possible. Handled well, credit is normal and necessary. If you're not sure about your credit habits, take this test to gain some perspective.

 In the past three months, I've paid my bills on time: most of the time sometimes usually about a month late more than a month late 1 2 5 7 Each month, I pay about this much of my take-home pay in credit card payments: less than 10% 10%-25% 25%-50% more than 50% 1 2 5 7 I use a cash advance from one credit card to make payments on another card: never rarely sometimes always 1 2 3 10 I usually pay about this much of each monthly credit card bill: entire balance half the balance a fourth to a third of the balance the minimum 1 2 3 4 I buy groceries with a credit card because I'm short of cash: never rarely sometimes frequently 1 2 4 6 I know about how much money I owe: always usually sometimes rarely 1 2 4 6 I have enough cash in savings to weather most emergencies: yes not yet, but close I'm working on it no 1 2 4 6 Your credit quotient