In one sentence, describe what the following article is about: Larger banks and even some credit unions offer their own credit cards to customers. Consider starting at one of these institutions. They will be able to give you sound advice and explain important details like fees, credit limits, and interest rates and help you choose the right card. Bank credit cards are usually reserved for established customers. You'll need an account. Having a checking account at the bank can help, in particular. If you are a long-time customer, the bank may ask you first about a credit card. As banks seek to diversify, they are trying to build up credit card portfolios and entice customers with good introductory interest rates and extra rewards. Another benefit of having a bank credit card is that you may be able to link the card to your normal accounts, making payments easier to manage. Most banks offer several different cards. The best one for you will depend on your financial situation, spending habits, and credit score. Sit down with a banker. She will be able to discuss your options and advise you on the most fitting choice. Ask questions and listen for important details. You'll want to be clear about each card's profile. What is the yearly interest rate (APR)? Is there an annual fee for holding the card? How much is the credit line? What is the minimum payment you can make toward outstanding balances? Make sure to know if the card's APR is "introductory" or "fixed." Lenders will often offer a low introductory rate to attract customers, which will then go up after a period of months or years. Ask about rewards. Some credit cards will earn you air miles with each purchase. Some offer cash back or points that you can redeem for merchandise. Weigh what options you have. Non-profit financial institutions like credit unions often offer lower APRs and lower penalty rates on credit cards. You will probably have to be a member of the credit union to qualify, however. If you are new to credit, or if the bank cannot offer you a regular credit card, ask about getting a "secure credit card." Secure cards are used to build up trust and a good credit history. They can help you get a foot in the door and eventually qualify for an unsecured account. Secure cards require collateral. This means that you will have to give the bank a deposit for your credit line ($500 for a $500 credit line, for example, or $1000 for a $1000 line). Secure cards work like normal credit cards. Your deposit won't count toward payments, but is just there for security. Your bank will periodically review your account. If you pay on time, they may eventually offer you a normal credit card with a larger line of credit. Be aware that your bank keeps a close eye on secured card accounts. You'll have to make all of your monthly payments, or the bank may be able to keep your deposit. After talking with a representative of your bank or credit union, you will be asked to fill out an application. Take this application seriously and answer all the questions honestly. Lying about your information is fraud and against the law. You will have to provide personal information, but also details on your citizenship, employment, and finances. Be prepared to answer questions about your annual income but also the monthly cost of your housing and how much you have in "liquid assets," i.e. how much money you have in cash, savings or checking accounts, or certificates of deposit. Submit the application and wait for your bank's decision. This may take a couple of weeks. If approved, they will usually send the card in the mail. You'll have to activate the card before using it. Activation is easy and only takes a few minutes. Just follow the instructions that come with the new credit card.
Summary: Inquire at a bank or credit union. Make an appointment with a banker. Consider a secure card. Apply for the card.

Problem: Article: Development executives, the people who review ideas and choose what gets made, are constantly bombarded with ideas. To stand out you need to know what kind of ideas are going to capture their attention. While there is no perfect formula for an idea, there are some common threads among the best ideas: Originality: The hardest, but most crucial, factor of any idea. Luckily, pure originality isn't necessary. You want something that looks like it could sell -- a new mix-up of old ideas, a beloved book or story that hasn't been filmed, a new perspective people haven't seen, etc. Projected Cost: Especially if this is your first idea, you'll generally want to steer away from the enormous, effects-driven blockbusters. Few studios will risk hundreds of millions of dollars on an unproven filmmaker. You're better off using fewer characters and simpler settings whenever possible. A Screenplay/Proof of Concept: Do you just have the idea, or do you have something to back it up? This can be a screenplay or a short film, but it is essential nonetheless. The idea will get you in the door, but it is the content that will get the movie/show made. A log line is a single sentence that outlines the basic premise and hook of your concept. It details the characters, plot, and setting briefly so that you can interest someone in the idea with just 1-2 sentences. Keep it as short and dynamic as possible. Some ideas from famous movies include: Back to the Future: Marty, a high school student, is accidentally transported to the past, where his parents are at risk of never falling in love -- or creating him! Jaws: A police chief with a phobia for open water battles a killer shark. But the greedy town board refuses to admit there is a problem at the beach at all. Ratatouille: A Parisian rat secretly teams up with an untalented chef to prove that anyone can cook, though jealous critics and pest-control think otherwise. Synopsis are 1-3 page documents that tell your entire story/first season, beat for beat. You want to include the genre (Romantic Comedy, Action) the characters, and the plot in quick, concise, and engaging prose. For reality shows, this is a breakdown of the setting, people, and possible plot lines to follow. This is easier said than done, but a good synopsis will contain: As few words as possible. Get to the point, and get out. You want to tell the story clearly and quickly, so avoid long, unnecessary things like "Gary is tall, blond and young, but he look like he is 50. He likes to smoke and listen to rock and roll, and..." These details are unnecessary and will likely all change. Action verbs and phrases. Avoid, "she does this," "he responds with," and other overused or nondescript verbs. Aim for powerful, action-oriented verbs, like "she battles," "he retorts with," whenever possible. Characters. You don't want a list of plot elements, you want a movie. Characters drive audience investment in film and TV, so don't forget about them. The plot should be sparked by your characters, not the other way around. Having the rights to something is often the difference between a deal and the door. Luckily, they are actually easy to get. Development executives often comment that they want things "Based on a True Story." Owning someone's "Life Rights," means that you can't get sued for making a movie based on their "true" story. Just as importantly, you get the exclusive rights to make the movie or TV show, as only one person can hold the rights to something at once. Usually, you buy life rights cheaply, sometimes for $1, and then split profits once the show or movie is made. Life rights can include biographies, such as getting a musician's life rights or the rights to the people involved in a large murder trial. Life rights can also include reality shows. Find a compelling family, mini-celebrity, or person worth exploring every day. A cheap set of life rights may turn them into a lucrative show. If you want to adapt a book, you must purchase the rights before selling your idea. To do so, contact the publisher located in the front of the book.
Summary:
Understand what makes a great idea in Hollywood. Create a clever log line. Draft up a synopsis. Get the rights of anything based on a real event or person.