The leading textbook in Artificial Intelligence. Used in over 1000 universities in 91 countries (over 90% market share) and the 85th most cited publication on Citeseer.
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A branch of computer science that studies how to endow computers with capabilities of human intelligence. For example, speech recognition is a problem being worked on by AI scientists.
What Students Should Look For In A Credit Card
Student credit cards offer many advantages such as quick access to cash, a way to pay for emergency expenditures and most importantly a tool for establishing a credit history. Good credit will serve you well throughout adult life. I’m going to go over some of the more important things you should be looking for when choosing a credit card.
First thing to look at is the interest rate on purchases on the credit card. Almost all of the the cards offer a 0% introductory rate for the first 6 to 9 months. Read the terms carefully to see what the rate will be after the introductory rate expire. Rates can typically vary between 11% and 21% on most student credit cards.
Reward points for purchases with the card is pretty common with most of the companies. Points can be redeemed for things like cash, concert tickets, airline tickets, gift cards and many other things. The airline rewards points are pretty popular especially for those students who go to school far from home.
Credit limits vary widely between the different cards from $200 up to $5k. A good strategy is to start out with a fairly low limit in order to avoid the big impulse buys that can result in unnecessary debt.
Proof of income may be required by some card companies. In the event that a student doesn’t have proof of income the card company might approve them with a cosigner. Some cards don’t require proof of income or a cosigner. It all really depends on the specific credit card companies guidelines.
Another nice feature offered is cash back rewards for purchases on the credit card. Cash back varies from 1% to 5% usually based on the specific types of purchases. For example tuition or book purchases may receive a higher percentage cash back then grocery purchases.
In addition the above incentives you may also see cash advances, balance transfers, rental car insurance, online statements, online bill pay and travel accident insurance to name few more.
To make the right credit card choice you need to decide what benefits meet your spending requirements. By paying close attention to the terms of the cards you apply for you won’t get surprised in the future.
Tags: credit, credit cards
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