CREDITPAGE® - Credit Alert Test

Take this test in the privacy of your own home... Nobody will know the results, but you.

Select the answer that best describes your situation in each question below. When you're finished, click Add Up My Points.

What percent of your monthly take home pay do your credit card payments represent?				Score:
Under 10% 1	10 - 25% 2	25 - 50% 5	Over 50% 7

How have you paid your bills over the last three months?				Score:
Mostly on-time 1	Sometimes late 2	Usually 30 days late 5	Over 30 days late 7

How often do you take cash advances from one of your credit cards to make payments on another?				Score:
Never 1	Rarely 2	Sometimes 3	Always 10

How often do you pay for groceries by credit card because you are short on cash?				Score:
Never 1	Rarely 2	Sometimes 4	Always 6

How much do you pay on your credit card balances each month?				Score:
Normally, the entire balance 1	Usually, half the balances 2	Approx. 25-33% of balances 3	Usually, Minimum Payment 4

How important to you is your credit history and lines of credit?				Score:
Extremely Important 1	Very Important 2	Somewhat Important 3	Not Important 4

Bonus Points: Add one point for each YES answer

Score:

Do you hide credit card purchases from your spouse or family members?	1
Do you neglect to keep accurate records of your credit card transactions?	1
Do you spend more than what you can afford because you expect your income to rise?	1
Would it be difficult for you to make ends meet without having credit.	1

To Find Out What Your Score Means, Click HERE

This chart is for your information only. It is intended to educate you about the importance of maintaining your credit and to alert you to some of the early warning signs of being overextended.