<prompt> Human: Im 18 and getting ready to graduate in two months. Right now I have a checking and savings with USAA and I saw that Im eligible for a student credit card. Looking at the fine print, theres a 0 apr for the first six months, and then after that its a 9.9 variable apr with no cap on increase. Theres also no annual fee at all. Theres a 3 transaction fee on it as well which caps out at 200 per purchase. Is this a decent card or is it just trying to suck me in?  <response>: Thats decent for a student. Always pay in full, never carry a balance, keep your credit utilization under 30, and never close the card. After a couple of years, when your credit score is 720 you can apply for the more lucrative reward cards. 