James, 20 years old, is a full-time student. His part-time tutoring job earns him $250/month. The other living expenses are covered by a student loan. Currently he has a chequing account with one of the major banks of Canada. He wants to apply for a credit card for the convenience of payment and to build up his credit record. His parents may agree to co-sign the credit card but he prefers not to ask them if possible. he asks for your help to recommend the best credit card in the market that suits his need. You are asked to make TWO best recommendations after researching the market, and clearly identify the factors you consider in the process. If you need to make any assumptions about his situation, please state them out.