I was about to get airline miles and student bank credit cards which was offered in a nearby bank when my sister reminded me about the things that I should consider before plunging into the decision to get those cards. She asked me if I had already taken time to compare the advantages offered in the different credit cards. I told her that I would be applying a zero per cent interest card so I assured her that I was making the right choice. She then told me that the zero per cent interest rates are usually an introductory promotion only. They will be charging a higher interest once the period of promotion ends. She reminded me that I need to be wise by checking carefully on the interest rates, not only on the rewards that are being offered. She also told me to make sure that I will be able to choose the card that will fit my needs.