Jose recently became a peer financial advisor at his college. He was excited about this role because it combined his love of personal finance with his desire to help others in his college community. He often found himself amazed by the lack of knowledge that students had about money management, whether it was checking accounts, credit cards or student loans. His parents had taught him these valuable lessons growing up and he was excited to share these skills with students. Jose had recently seen more students coming forward to ask him for advice regarding credit cards. He wasn't sure if it was peer pressure (one roommate telling another) or the wave of credit card spam that hit student email boxes recently. In fact, just that afternoon, Michelle had come to his office with one of these credit card offers (see below). She could not contain her excitement: "Hey Jose, I couldn't believe this offer I got from a credit card company today. It's amazing to me that they don't charge me any interest and don't make me pay them back. Am I missing something as this seems too good to be true? I mean, what is the right way for me to evaluate such a great offer?" Exhibit 1 Credit Card Offer Promotional 0% APR for a limited time Answer this: 1. What should Jose tell Michelle about this offer? What are additional questions she should find answers to prior to getting this credit card?