Jennifer Lee, an engineering major in her junior year, has received in the mail for two guaranteed lineofcredit applications from two different banks. Each bank offers a different annual fee and finance charge. Jennifer expects her average monthly balance after payment to be $$300$ and plans to keep the card she chooses for only $24$ months. $($After graduation, she will apply for a new card.$)$ Jennifers interest rate $($on her savings account$)$ is $6\%$ compounded daily. Which banks credit card should Jennifer choose?