• 18% APR (Annualized Percentage Rate)

• No annual fee (The fee a bank charges for someone to have a credit card; like a membership fee, you pay it whether you use it or not.)

• $3,000 credit limit, kinda high but the bank was having a special “sale” on money.

• Because he’s under 21, he had to have his parents co-sign (so THEY are on the hook if he ends up being a deadbeat).