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Credit Card Glossary – S Secured Debt Debt that is generally tied to an asset, such as a car for a car loan, or a house for a mortgage. When the consumer misses payments, the lender may repossess the asset. Statement The monthly bill from a credit card issuer that describes and summarizes the activity on an account. A statement includes the outstanding balance, purchases, payments, credits, finance charges and other transactions for the month. Service Charge A component of some finance charges, such as the fee for triggering an overdraft checking account into use. Statement Date The date on which a statement is generated, and the month's finance charges (interest) are added to the balance. Surcharge An extra charge imposed on those who purchase with a credit card instead of cash. (Currently, surcharges for credit card purchases are prohibited.) Sales Draft A paper record evidencing the purchase of goods or services by a cardholder. Smart Card A plastic card containing a computer chip with memory and CPU capabilities. Such a card may be used for identification, to store information or financial amounts, or other forms of data. Also called an integrated circuit card or a chip card. Store-Value Card A stored-value card is a credit-card-sized device, implanted with a computer chip, with stored money value. A reloadable stored-value card can be reused by transferring value to it from an automated teller machine or other device. A disposable card cannot be reloaded.

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