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About This Quiz
There are several strategies for lowering the APR on your credit cards, so you shouldn’t feel stuck with an overwhelming rate. Take our quiz and see if you have the lowest APR for your credit card or if you should search for better options!
How high is your credit limit?
$500 or less.
Between $501 and $1,000.
Between $1,000 and $2,000.
$2000 or more.
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How many times a day do you use your credit card?
Zero.
Between one and four times a day.
Between five and ten times a day.
Over ten times a day.
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What would you be more likely to buy with your credit card?
A new car.
Groceries.
A family vacation (plane tickets, hotel rooms, etc.)
Nothing.
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How often do you go shopping in the mall?
Every day.
Once or twice a week.
A few times a year.
Never if I can help it.
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Where does your credit score fall?
Below 400.
Between 401 and 550.
Between 551 and 680.
681 or higher.
I am not sure.
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When do you usually pay your bills?
As soon as I know I have one.
A week before it's due.
The day it's due.
I am usually a day or two late.
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How close are you to your credit limit right now?
I am almost maxed out.
I am about half way there.
I've spent only about 30% of my limit.
My balance is currently zero.
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How many credit cards did you apply for in the last three years?
Zero.
One or two.
Between three and five.
Six or more.
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How often do you check your credit report?
I can check my credit report?
Once a year.
Twice a year.
On a fairly regular basis.
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Do you have a household budget?
Yes, and I have a general sense of how much I am spending.
Yes, and I keep careful records of how much I spend.
No, I tend to wing it each month.
Sorta?
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How often do you discuss money?
Frequently.
Almost never: money talk is kind of awkward.
On occasion.
Absolutely never.
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How do you deposit money in your accounts?
I use direct deposit.
I use a mobile app.
I go into the bank.
I use a check cashing store.
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Do you refer to your accounts before making a purchase?
No, but I immediately track the expense.
When I'm running low.
Depends how long it's been since I was paid.
Every time.
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How often do you tap into your savings account?
Never.
Once a month.
Once a week.
Wait! I have a savings account?
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What is an impulse item that you can't turn down at the grocery store?
Candy.
Soda.
ChapStick.
Lottery tickets.
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If you go out to eat with friends, how is the check split?
I wait to see if anyone offers to pay.
Everyone pays for their own meal, including drinks.
We'll split the bill equally.
I'll pay for it all.
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How do you get to work?
I walk or ride a bike.
I drive my car.
I ride with a friend.
I take public transportation.
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How often do you eat out or order food for delivery?
Never.
Once or twice a week.
Three to five times a week.
Every day.
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How much do you make annually?
$20,000 or less.
Between $20,000 and $40,000.
Between $40,001 and $60,000.
$60,000 or more.
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Do you save your change?
Nope. Change is for chumps.
I toss change in the closest drawer.
If I think about it.
Always.
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What percent of your paycheck do you save for the future?
30 percent.
15 percent.
Less than 5 percent.
All of it goes to my future.
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How do you invest your money?
I go to a casino or buy lottery tickets.
My savings account.
An app.
I have a diverse portfolio.
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Do you have multiple banking accounts?
Checking, savings, and several investment accounts.
I have a checking and savings accounts.
I have a checking account.
Multiple? I don't even have one.
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Does anyone else know your ATM PIN?
I'm pretty sure everyone does.
Nope.
A few friends.
My significant other.
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How do you pay your bills?
I pay online a week before they are due.
Automatic deduction.
I pay online and often late.
I'm not really into paying for bills.
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How much money is in your purse or wallet right now?
I have no idea.
Only $10 now, but in a few hours it could be a lot more.
Between $50 and $100.
Over $100.
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Have you ever borrowed money and not paid it back?
No, that would be wrong.
No, but it has taken you a little while to pay it back on occasion.
Yes, just once.
Yes, more than once.
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Do you have an addictive personality?
Only for saving money.
Nope.
A little one.
Well, this is my first quiz and I am addicted to quizzes, so...
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You Got: