BUYING VS. LEASING

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	Chase Freedom® card*	Discover it® Chrome for Students- Good Grades Rewards	Wells Fargo Cash Back College Visa Card
grace period	15 days	30 days	15 days
interest rate	None	If you are charged interest, the charge will be no less than $.50.	None*
annual fee	$0†	$0	$0
over-the-limit fee	None	None	None
late fee	Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to$37 if the balance is $250 or more.	None the first time you pay late. After that, up to $35.	Up to $37
cash advance interest rate/fees	25.24%. This APR will vary with the market based on the Prime Rate.b	APR: 13.24% - 22.24% Variable* Cash Advance APR: 25.24%, Variable*	Min APR: 11.15%, Variable Max APR: 21.15%, Variable Cash Advance APR: 23.99%, Variable
transfer interest rate	Either $5 or 3% of the amount of each transfer, whichever is greater.	3% of the amount of each transfer .	either $5 or 3% of the amount of each balance transfer, whichever is greater, for 6 months. After that, up to 5% for each balance transfer, with a minimum of $5.

Everyone has his own reasons to have a credit card and most of people have more than one. Most of people do not know about the right way to use their credit cards or how to get the benefits from it. So, everyone must know and read about it before applying for one of them.

In general, people should know about how the credit cards work. So, people should look for the right credit card that they will apply and make sure it is meet their needs. Also, they should take care of the payment every month to avoid any interest that might apply on the credit card. Finally, they should control their uses for the credit card to avoid late payments or over paid that might heart their credit history.

In my case, I need to apply for one of them for many reasons. First, I am trying to built my credit history, so it will be a good idea to apply for one to help my credit history and gain a good credit score. Second, I am not a citizen of United States where I will need to travel a lot during summer vacations to back home and most of money are in the American banks. So, I will need to a credit card that has either no or low foreign transaction fee. finally, I got engaged last year and I am planning to have the wedding ceremony this summer, so the credit card will be helpful to cover some Items such as furniture.

In short, as a person who travel every year and stay at lest two months out side United States, planning for his wedding ceremony, and planning for having honeymoon, I have to think very deep before I pick one of them because I am looking for a credit card that has lower interest and more fixable to built where I have to get a high credit line. So, I think the Chase Freedom® card will be the best choice for me.