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Across 1. Owing money to someone, “in ____”. 5. A set amount required to be paid each year to use a service provided by some financial institutions. [6 + 3] 10. A system of encouraging people to keep using a particular card by letting them ‘earn’ gifts; also called ‘Loyalty’ schemes. 11. What we need to receive/earn before we should spend. 13. A word describing having taken more out of your bank account then you've put into it. 14. Used to withdraw funds from your own account [5 + 4]. 15. A detailed plan of earning and spending objectives. 16. Also a way of paying money on-line. 19. A handy ‘tool’ that enables people to 'Buy now, pay later' [6 + 4]. 23. Being able to borrow; the means by which a buyer can buy now and pay for it later or over time. 24. A popular type of card 25. A term describing the exchange of money directly from one bank account to another.

Down 2. A way of paying money on-line. 3. The upper amount you are able to buy/owe on a card [6 + 5] 4. Taking money directly out of your account actually in a shop. 6. An emotional reaction of some when they open their credit card bill. 7. It's good to be able to control your … … 8. Word used to describe the final amount owing on a card, or remaining in an account at the end of a period. 9. Term to describe people who are addicted to 'retail therapy'. 12. What we want, but often don’t have enough of. 17. A word describing having taken more out of your bank account then you've put into it. 18. The crime of obtaining money or other benefit by deliberate deception. 20. The cost of borrowing money, expressed as a %age of what is owed. 21. An order to your bank to pay a specified amount of money to the person you name on it. 22. A special number needed to authorise payments from your account. 23. Sometimes called an ‘old fashioned’ way of paying for something.