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Credit Cards on Campus
In recent years, credit cards have gained more popularity among college students. With banks’ more focus on college market, an increasing number of college students have applied for a credit card and begun to consume by it.
The following three factors can account for the popularity of credit cards in college. Firstly, a credit card provides overdrawing service, which is a big attraction for those students who have no much money for their domination. Secondly, a credit card can help release financial burdens on those poor students, and hence reduce the risk of their dropping school for lacking money. Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. Drawn by these policies, many college students apply for credit cards.
As far as I am concerned, it is not a bad thing for college students to own credit cards. However, there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big credit cards debt. Therefore, schools and banks have responsibility to let college students learn how to use credit cards properly. Only in this way can college students enjoy really the advantages of credit cards.
