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Consumer Finance. College Students and Credit Cards

机译：消费金融。大学生和信用卡

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This report responds to a congressional request to examine several issues related to college students and credit cards. Eighteen year olds can enter into a financial contract for a credit card in their name without the consent or signature of a parent or guardianin most states. Controversy and media attention have surrounded these issues in recent years, and several state legislators and members of the U.S. Congress have introduced legislation related to college students use of credit cards. The objectives of this report are to describe (1) the advantages and disadvantages credit card use presents to college students and available bankruptcy data, (2) the results of key studies showing how college students acquire and use credit cards and how much credit card debt they carry, (3) universities policies and practices related to on-campus credit card marketing, and (4) the business strategies and educational efforts credit card issuers direct at college students.

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