Financial Literacy Unit Test

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Question
Leena is a senior in high school. She babysits regularly and deposits her earnings into a checking account. She wants to get a credit card before leaving for college, but she is finding it difficult to get one. Determine whether Leena has a positive credit history, a negative credit history, or no credit history. Explain your answer.(2 points)

Math Short Answer Rubric (2 points)
Points Awarded Criteria
2
The answer is correct. The student made no errors while solving.

The answer shows that the student used problem-solving skills and reasoning.

All work is shown or explained.

1
The answer is partially correct. The student made errors while solving.

The answer shows little problem-solving skills or reasoning.

Some work is shown or explained.

0 The question is not answered.


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make it sound like a 6th grader

1 answer

Leena has no credit history. This is because she is still in high school and hasn't borrowed money from a bank or used a credit card before. Since she only babysits and saves her money in a checking account, there are no records of her borrowing or paying back money to show that she can handle credit. To get a credit card, she needs to prove that she can use credit responsibly, but right now, she has never done that. So, she doesn't have a positive or negative credit history, just no credit history at all.