6.14.B

Math6th Grade

The Standard

distinguish between debit cards and credit cards

Texas Essential Knowledge and Skills for Mathematics

Teacher's field guide

What Students Need to Do: Students identify whether a card purchase uses money already in a bank account or borrowed money that must be repaid. They compare timing, repayment, fees, and possible interest.
What Mastery Looks Like: Students correctly explain where the money comes from for each purchase. They can describe when a bank balance changes, when repayment is due, and how interest may apply.
Common Misconceptions: Students may think both cards take money directly from a bank account. They may believe credit purchases are free until the bill arrives. Some assume credit always charges interest, even when the full balance is paid on time.
How to Assess It: Give students two purchase scenarios and ask which card uses available bank funds and which creates a balance owed. Require one reason for each answer.

Lesson moves

Give pairs mock account balances, card labels, and purchase slips, then have them update the correct balance after each purchase.
Ask students to write which card they would use for a planned purchase and explain the effect on their money.
Play a card sort game matching purchase scenarios with bank withdrawals, balances owed, possible interest, and card types.
Compare a sample checking account record with a credit card statement to identify withdrawals, charges, payments, fees, and interest.

Keep exploring

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