This spread sheet includes 5 different scenarios/ people and their corresponding credit card statements. There is a mix of APR and rolling balances, as well as types of cards-- example Chase and Discover. I use this in addition to bank statements as whiteboarding simulation where students are figuring out their persons spending-- deficit or surplus and giving their person a recommendation on what to do with extra money or how to reduce their spending so that they can live within their means. Stu