Hot Topic 4: Credit Cards

The Hot Topics series includes 12 short units designed to improve students’ financial capability. Hot Topic 4 examines why people use credit cards, and how a card’s fee structure works. Students will learn about the benefits and pitfalls of using a credit card.


Student learning

Through this Hot Topic, students will

  • Learn about the history of credit cards and understand their benefits and disadvantages
  • Learn how to calculate the interest and fees that come with using a credit card

Curriculum links

Personal Financial Management is a fundamental part of a young person’s education. The Hot Topics series is designed to support the development of the key competencies. The series also has links to the Social Sciences and Mathematics and Statistics learning areas.

Hot Topic 4: Credit Cards

  • Year 10-12
  • 4-8 hrs
  • Mathematics and Statistics
    Social Sciences
  • Free to NZ schools
  • Led by teachers
Download overview

Students taking part will

  • Brainstorm reasons why consumers might use a credit card
  • Examine the history behind credit card development
  • Calculate the interest incurred on a credit card

Download includes:

  • Activity: Credit Cards Workbook