How Healthy is your Debt Management?

Take FINANCIAL IQ TEST: How Healthy is your Debt Management? at WiseBread.

Find mine answers below.

Knowledge / Awareness
I know how much I owe and to whom, and what each interest rate is. - Yes

I understand the difference between secured and unsecured debt. - Yes

I understand the difference between good debt and bad debt. - Yes

If my mortgage interest rate increased, I could easily handle the increase in payments. - Yes

I never get payday loans. - Yes

I know the difference between a line of credit, credit card, and fixed loan. - Yes

Credit Cards - I don't have one so I'll mark all as Yes. :)
I don’t charge anything new to my credit card if there is a balance outstanding. - Yes

I never use my credit card for cash advances. - Yes

I understand the consequences of making only minimum payments on credit card debt. - Yes

I will use one credit card to pay off another only if it is a 0% interest balance transfer deal and I can pay it off in full before the rates increase. - Yes

I never carry a balance on department store credit cards if there are interest charges or fees. - Yes

Transactions - Here I am replacing use of credit card with debit cards to answer.
I negotiate interest rates and/or annual fees with credit card companies, mortgage issuers, and other lenders. - Yes

I pay the entire balance on my credit card each month, before interest is charged. - Yes

If for some reason I miss a debt payment, I immediately call the lender to advise them of what happened to reduce or eliminate fees and penalties. - Yes

Security - Here I am replacing use of credit card with debit cards to answer.
I check my credit card statement every month for suspicious activity or incorrect charges. - Yes

I have a list of all my credit card numbers, and phone numbers to call if they are lost or stolen. - Yes

Credit Rating - skipping.

So, I scored quite well. :) How about you, share your score.