Credit Cards Used for Along with Current APR Questions
Order ID |
53563633773 |
Type |
Essay |
Writer Level |
Masters |
Style |
APA |
Sources/References |
4 |
Perfect Number of Pages to Order |
5-10 Pages |
Description/Paper Instructions
Credit Cards Used for Along with Current APR Questions
Assignment 3. Shopping for credit & calculate credit based on APR. Using the information from the lectures on credit cards, identify three credit cards you would be interested in applying for. Use https://www.nerdwallet.com/credit-cards to look for ones that fit your needs and lifestyle. Try to pick ones that represent different credit card networks (Mastercard, Visa, American Express, Discover). Then, answer the following questions:
(Please cut and paste the info below into your google doc and complete all
sections)
List the three credit cards used for this assignment along with current APR
● Credit Card 1:
● Credit Card 2:
● Credit Card 3:
1. Which credit card has the highest annual percentage rate and how much is it, please
specify which credit card you used to answer this question?
2. What method is used to calculate the monthly finance charge for one of your selected
credit cards, please specify which credit card you used to answer this question?
3. When does the finance charge begin to accrue on one selected credit card, please
specify which credit card you used to answer this question?
4. Do any of the cards have annual fees? If so, which one(s) and how much is the fee,
please specify the credit card you used to answer this question?
5. Is there a transaction fee on any card? If so, how much, and specify which credit card
used to answer this question?
6. Is there a minimum finance charge on either of the major credit cards? If so, how
much is it and specify which credit card used to answer this question?
7. What is the grace period on one of the credit cards, specify which credit card is used
to answer this question?
8. Rafael wants to buy a new cell phone that costs $450. According to his budget, he
can afford payments of up to $62/month. Which of the three credit cards you’ve found
would you recommend Rafael use to purchase the cell phone?
9. Amy recently spent $500 on textbooks for her college courses. She cannot pay it all
back right away, so she needs to calculate her estimated costs.
- With a minimum payment of $15/month, which credit card (of the three you
researched) should she use?
● How long will it take her to pay off her debt with each of the three credit
cards?
▪ Credit Card 1 answer
▪ Credit Card 2 answer
▪ Credit Card 3 answer
- How much interest would she pay on each?
▪ Credit Card 1 answer
▪ Credit Card 2 answer
▪ Credit Card 3 answer
- Are there any incentives or rewards that come from purchasing textbooks
based on the three credit cards you selected (cashback, reward points, extra
discounts…)?
▪ Credit Card 1 answer
▪ Credit Card 2 answer
▪ Credit Card 3 answer
RUBRIC
QUALITY OF RESPONSE |
NO RESPONSE |
POOR / UNSATISFACTORY |
SATISFACTORY |
GOOD |
EXCELLENT |
Content (worth a maximum of 50% of the total points) |
Zero points: Student failed to submit the final paper. |
20 points out of 50: The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. |
30 points out of 50: The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately. Elements of the required response may also be lacking. |
40 points out of 50: The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples. The answer is complete. |
50 points: The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples. No aspects of the required answer are missing. |
Use of Sources (worth a maximum of 20% of the total points). |
Zero points: Student failed to include citations and/or references. Or the student failed to submit a final paper. |
5 out 20 points: Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. |
10 out 20 points: References to scholarly sources are occasionally given; many statements seem unsubstantiated. Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. |
15 out 20 points: Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented. APA 6th Edition is used with only a few minor errors. There are minor errors in reference and/or citations. And/or there is some use of questionable sources. |
20 points: Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented. APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. |
Grammar (worth maximum of 20% of total points) |
Zero points: Student failed to submit the final paper. |
5 points out of 20: The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors |
10 points out 20: The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors |
15 points out of 20: The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. |
20 points: The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. |
Structure of the Paper (worth 10% of total points) |
Zero points: Student failed to submit the final paper. |
3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. |
5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements. The student also significantly writes too large or too short of and paper |
7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. |
10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper. |
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