How Credit Cards Work

How Credit Cards Work is a special education life skills activity that teaches financial literacy to middle school and high school students. This step-by-step personal finance activity uses clear and simple language to teach students how credit cards work, including credit card benefits, credit history, interest rates, and a credit card statement. This money management activity will engage your students with age-appropriate graphics, relatable dialog, and real-world scenarios.

Number of Pages: 15   File Format: PDF (color and black-and-white)  Grade Levels: 7th – 12th, Adult Education, Homeschool


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  • This life skills activity teaches students about credit limits, interest rates, available balances, late penalties, and minimum monthly payments.
  • This financial literacy resource provides a detailed explanation of each field on a credit card statement.
  • The resource also covers making on-time credit card payments and avoiding late fees, factors that can affect interest rates, and the importance of reviewing each transaction on your credit card statement.
  • This activity provides step-by-step instructions on how to use the monthly credit card statement to calculate available credit and monthly credit card balance
  • 35 Multiple-choice reading comprehension questions (answers included)
  • This activity can be part of a comprehensive financial literacy curriculum or a standalone aid.
  • This life skills activity contains step-by-step instructions, reading comprehension questions to reinforce learning and collect data, an answer key, age-appropriate graphics, real-world examples, and ideas for implementation.
Why Use

This resource is designed to help teens and adults develop independent living skills in various settings, such as home, school, work, or the community.

Intended User

This life skills resource can be used by parents, caregivers, special education teachers, therapists, clinicians, and coaches to promote independence in teens and adults.

Where to Use

This life skills resource is ideal for middle and high schools, at-home learning, life skills programs, one-on-one therapy, adult transition programs, social skills groups, adult day centers, and autism life skill centers.


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Adulting Life Skills Resources Personal Finance Special Education activity for high school students covering How Credit Cards Work.How Credit Cards Work
Get 25% off when you buy 3 or more resources!