ESL Credit Cards Lesson Plan

Instructor: Kandi Young

Kandi has degrees in Communications, Human Services, Education and Computer Science. She is a Business, Marketing, and Technology instructor with a Master's degree in Education.

In a society heavily reliant on credit, it is important for all students to understand credit cards. This lesson focuses on introducing ESL students to common terms related to credit cards and how to navigate through offers to choose the right card for their needs.

Learning Objectives

Upon completion, students will be able to:

  • understand the concept of credit cards
  • define vocabulary related to credit cards
  • compare and contrast credit card offers


1 to 2 hours



Use data from a randomized experiment to compare two treatments; use simulations to decide if differences between parameters are significant.


Determine two or more central ideas of a text and analyze their development over the course of the text, including how they interact and build on one another to provide a complex analysis; provide an objective summary of the text.


Analyze a complex set of ideas or sequence of events and explain how specific individuals, ideas, or events interact and develop over the course of the text.


  • application scoring
  • APR
  • annual fees
  • collection
  • credit inquiry
  • credit obligation
  • default
  • delinquent
  • introductory rates
  • promotions
  • revolving debt


  • Internet access or printed information on credit cards
  • Internet access or various credit card applications
  • paper or spreadsheet software

Create-A-Card Activity

  • cardboard or paper
  • markers
  • image editing software (optional)
  • word processing software (optional)

Big Spender Activity

  • fake credit cards
  • fake money
  • unexpected expenses scenarios
  • spending stations
  • shared spreadsheet (or paper) to record spending at each station
  • fake credit card bills

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