Which term represents the total amount owed across all credit cards?

• A. Credit Card Debt
• B. Credit Account Balance
• C. Annual Percentage Rate
• D. Cash Advance

Answer: (A)

The total amount you owe on credit cards is called credit card debt—the sum of all outstanding balances across every card you have. This term specifically captures the overall burden from multiple cards, not just the balance on a single account. For example, if you owe $250 on one card and $150 on another, your credit card debt is $400.

In contrast, a credit account balance typically refers to the balance on a single card or account, not the combined total across all cards. The annual percentage rate is the interest rate that accrues on what you owe, and a cash advance is a type of transaction that withdraws cash and often carries higher fees and interest, but neither term denotes the overall amount owed across all cards.