Toss Quiz October 28th Answer 'All Clear'! Financial Literacy (O), Credit Quiz (O/X), Tips (X) + 1st Place Pick All Perfectly Summarized!
Folks! Folks! 😲 It's Tuesday, October 28th, lunchtime!
After a tiring Monday and a delicious lunch to recharge, it's time to awaken your brain and your wallet(?) with some rewarding 'AppTech'! 💰 Toss Quiz is here again!
Today, we have not only a financial literacy quiz but also two surprise credit quizzes directly related to your credit score! Plus, a helpful today's tip quiz and an exciting 'Pick the 1st Place' event! What a rich selection! 🤯
"Is it O or X?" From confusing questions to "What will be today's #1 item?" I've prepared all the answers with thorough explanations and Toss AppTech pro tips, totaling over 1500 characters! Check it out now and grab your points! 🚀
October 28th, Tuesday! The best way to shake off the afternoon drowsiness after lunch is to open the Toss app and solve quizzes! 😊 Participating every day brings a sense of accomplishment as your Toss points accumulate. What questions tested our financial knowledge and wit today? Get the answers, plus bonus pro tips!
1. Toss Daily 'Financial Literacy Quiz' Answer (October 28th)
First, here's today's daily financial literacy quiz! Today's question is about the 'legal maximum interest rate'. It's essential knowledge to prevent illegal private lending!
❓ Today's Question:
In 2025, the highest interest rate set by law is 20% per annum?
✅ Answer: O (True)
💡 [Answer Explanation & Financial TMI]:
The answer is 'O' (True)! That's right. As of 2025, the **legal maximum interest rate in South Korea is limited to 20% per annum**. This is specified in the Interest Restriction Act and the Lending Business Act, and it applies to lending businesses as well as private transactions (e.g., informal loans). If an interest rate higher than this is demanded or received, it is clearly illegal and subject to legal penalties. 😥
Knowing the legal maximum interest rate is the first step in preventing high-interest loan damage. If anyone you know is struggling with high-interest loans exceeding the legal maximum, remember that they can seek help from the Financial Supervisory Service's Illegal Private Lending Reporting Center (☎1332)! This quiz helps us learn an important financial fact that can protect ourselves and those around us. We're definitely taking home one crucial piece of financial knowledge from today's quiz!
2. Toss 'Credit Pop Quiz' Answers (October 28th) - Two Questions!
Next are the 'Credit Pop Quizzes' that help manage our credit score. Credit scores affect all aspects of financial life, including loan applications and credit card issuance, and even job hunting or security deposit loans, so it's important to understand them well, isn't it? Today, we have two questions!
❓ Today's Question 1:
If you need to get a cash advance, it's better to take out a large amount at once?
✅ Answer: O (True)
💡 [Answer Explanation & Credit Management TMI]:
The answer is 'O' (True)! While it might seem counterintuitive, credit bureaus interpret cash advance usage as a sign of needing quick funds and negatively impact credit scores. Especially, **frequent use of small cash advances** can be seen as 'juggling payments' or being in constant financial distress, which can have a more detrimental effect on your credit score. 🤯 Therefore, if you unavoidably need to use a cash advance, advice from experts suggests that it is **relatively better for credit score management to take the necessary amount all at once** rather than splitting it into multiple smaller advances. Of course, the best way to manage your credit score is to avoid cash advances altogether and practice planned spending. 😉
❓ Today's Question 2:
Does your credit score increase as you get older?
✅ Answer: X (False)
💡 [Answer Explanation & Credit Management TMI]:
The answer is 'X' (False)! Simply **getting older does not automatically increase your credit score.** Credit scores are calculated by comprehensively evaluating various factors such as delinquency history, debt level, credit transaction period, and credit types. While it's true that **'credit transaction periods'** tend to naturally lengthen with age, and consistent healthy financial behavior without delinquencies (like regularly using credit cards or repaying loans) can be a positive factor, the key is not 'age' itself, but **'how long and how stably one has engaged in credit transactions'**! This is also why individuals with little credit history, like young adults (Thin Filers), might be at a disadvantage in credit evaluation. Even older individuals can have low credit scores if they have a history of delinquencies or excessive debt.
3. Toss 'Today's Tip Quiz' Answer (October 28th)
Today's tip quiz provides useful information for daily life! Today's question is about 'rewards for reporting counterfeit goods'. This is about realizing social justice through small daily actions.
❓ Today's Question:
Can you still receive a reward for reporting counterfeit goods anonymously?
✅ Answer: X (False)
💡 [Answer Explanation & Life TMI]:
The answer is 'X' (False)! The Korean Intellectual Property Office (KIPO) and other related organizations operate a reward system to encourage reporting of intellectual property rights infringement (including distribution of counterfeit goods). However, to receive the reward, **you must report under your 'real name'**. Anonymous, pseudonymous, or third-party reports are excluded from reward eligibility. 😥 This is because rewards are paid after comprehensive evaluation of the report's accuracy and contribution, and a real-name verification process is necessary to prevent unnecessary reports and ensure accurate investigations. The distribution of counterfeit goods is a criminal act that infringes upon the rights of legitimate trademark holders and causes consumer harm! If you discover instances of counterfeit goods distribution, how about courageously reporting it under your 'real name' and aiming for the reward benefit? (The identity of the reporter is said to be strictly protected under relevant laws!)
4. Toss 'Exciting Pick the 1st Place' Today's Candidates? (October 28th)
While not a quiz to get a right answer, 'Exciting Pick the 1st Place' offers small fun and points just by participating! Which attractive lip products are today's candidates?
- Morning (00:00 ~ 11:59): Smooth application **Nude Gloss** 💄
- Afternoon (12:00 ~ 23:59): Long-lasting moisture **Velvet Lipstick** 💋
These lip products match the autumn vibe! 🍂 Nude gloss for smooth, shiny lips, and velvet lipstick for a soft, comfortable application. Which product received more votes? If your chosen candidate is selected as the winner the next day, you can receive bonus points, so don't forget to participate in the vote! Will gloss win today, or velvet lipstick? The results will be revealed tomorrow! 😉
5. Toss AppTech: Quizzes & Voting Are Not All! (More Benefits!)
Beyond quizzes and voting, the Toss app hides various AppTech features that support your smart financial life and provide small fun and points. Don't miss out on other benefits while solving quizzes!
- Pedometer: A flagship AppTech feature of the Toss app! You accumulate Toss points just by walking daily! Achieve your step goal for additional bonuses! It's a win-win to take care of your health and earn money! 🚶♀️💰
- Lucky Lottery & Raise a Cat: You can experience the fun of scratching lottery tickets or raising a cute virtual cat through small missions provided within the app (e.g., watching ads, visiting the app). 🐈🎫
- Toss Shopping & Brand Cashback: Shop at affiliated online shopping malls through Toss or make payments with Toss Pay at specific brands (e.g., Starbucks, Baedal Minjok, etc.) to receive point accumulation or cashback benefits! 🛍️
- This Week's Mission: Complete simple missions given weekly (e.g., sending money, using specific services, etc.) to receive Toss points! Mission contents change every week, so check the 'Benefits' tab regularly!
- Other Surprise Benefits like Button Pushing: Frequently check the 'Benefits' tab, and you'll find hidden surprise events that give you small points just by pushing a button! Make sure to check regularly so you don't miss out on any benefits!
The Toss points accumulated through these methods hold a value of **1 point = 1 KRW in cash** and can be held up to **2 million points**. You can use the accumulated points like cash within the Toss app or withdraw them to your linked bank account to turn them into real cash, which is very useful! Every penny counts! Enjoy a smart AppTech life with the Toss app.
Today's 4 Toss quizzes + Pick the 1st Place! Did you participate in all of them? 🥳 Get smarter with financial literacy quizzes, learn credit management tips with credit quizzes, and gain life information with today's tip! Plus, the excitement of picking the 1st place and earning valuable points! Toss AppTech is truly fulfilling, isn't it? 😊
Have a great day, and I'll be back tomorrow with fast and accurate Toss quiz answers! Let's all get rich through consistent AppTech! 💪 If you have any questions or AppTech tips, please share them in the comments! 👇
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