Inrecentyears,creditcardshavegainedmorepopularityamongcollegestudents.Withbanks’morefocusoncollegemarket,anincreasingnumberofcollegestudentshaveappliedforacreditcardandbeguntoconsumebyit.
Thefollowingthreefactorscanaccountforthepopularityofcreditcardsincollege.Firstly,acreditcardprovidesoverdrawingservice,whichisabigattractionforthosestudentswhohavenomuchmoneyfortheirdomination.Secondly,acreditcardcanhelpreleasefinancialburdensonthosepoorstudents,andhencereducetheriskoftheirdroppingschoolforlackingmoney.Besides,manybanksmakesomepreferentialpoliciesoncreditcards,likesendingagift,loweringyearcost.Drawnbythesepolicies,manycollegestudentsapplyforcreditcards.
AsfarasIamconcerned,itisnotabadthingforcollegestudentstoowncreditcards.However,thereismisuseofcreditcardsamongcollegestudents.Manystudentsusecreditcardstobuyluxuriousthingstheydon’tneedreally,andevensomeofthemoweabigcreditcardsdebt.Therefore,schoolsandbankshaveresponsibilitytoletcollegestudentslearnhowtousecreditcardsproperly.Onlyinthiswaycancollegestudentsenjoyreallytheadvantagesofcreditcards.