Course Overview:This course is designed to help individuals gain a clear understanding of how loans and credit cards work, empowering them to make informed financial decisions. Whether you’re a student, young professional, or aspiring financial advisor, this course demystifies credit systems, interest rates, debt management, and responsible borrowing.
Why This Course:In today’s economy, credit is a powerful tool — but it can also be a financial trap if misused. This course helps learners avoid common pitfalls and build smart habits around credit and debt.
What You Will Learn:
- The basics of personal loans, home loans, and auto loans
- How credit cards function: types, billing cycles, and fees
- Understanding interest rates, APR, credit scores, and loan terms
- Responsible borrowing and repayment strategies
- How to compare credit products and avoid debt traps
- Legal rights and consumer protection in credit dealings
Benefits:
- Gain financial confidence and credit literacy
- Avoid costly financial mistakes
- Learn how to improve and manage your credit score
- Make smarter loan and card choices
- Prepare for major life purchases and financial planning
Career Relevance:Useful for aspiring bankers, financial advisors, loan officers, credit analysts, and anyone managing personal or family finances.
Additional Topics:
- Credit myths vs. facts
- Emergency vs. lifestyle borrowing
- Credit card rewards vs. debt risk
By the end of the course, learners will be equipped to use credit and loans wisely, minimize debt risk, and make strategic financial choices.
