Inrecentyears,creditcardshavegainedmorepopularityamongcollegestudents.Withbanks’morefocusoncollegemarket,anincreasingnumberofcollegestudentshaveappliedforcreditcardsandbeguntoconsumebythem.
Thefollowingthreefactorscanaccountforthepopularityofcreditcardsoncampus.Firstly,acreditcardprovidesoverdrawingservice,whichisabigattractionforthosestudentswhohavenotmuchmoneyfortheirdomination.Secondly,acreditcardcanhelpreleasefinancialburdensonthosepoorstudents,andhencereducetheriskoftheirdroppingschoolforlackingmoney.Besides,manybanksmakesomepreferentialpoliciesoncreditcards,likesendingagift,loweringyearcost.Drawnbythesepolicies,manycollegestudentshaveappliedforcreditcards.
AsfarasIamconcerned,itisnotabadthingforcollegestudentstoowncreditcards.However,thereismisuseofcreditcardsamongcollegestudents.Manystudentsusecreditcardstobuyluxuriousthingstheydon’tneedreally,andevensomeofthemoweabigcreditcarddebt.Therefore,schoolsandbankshaveresponsibilitytoletcollegestudentslearnhowtousecreditcardsproperly.Onlyinthiswaycancollegestudentsenjoyreallytheadvantagesofcreditcards.