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Credit Card Marketing On College Campuses

584 words - 2 pages

The question of whether credit card companies should market on campuses or not, brings many different opinions, some of which are driven by personal experience and some that are driven by profit. There are those who do not agree with this because they know what they have gone through with credit card debt. There are also those who say they should market on campus because they are adults and contribute to the company’s profit. Even though students are adults and need to earn credit, credit card companies should not market to college students on campus because they are too naive and this results in graduating with too much debt.
Students do not have the education needed to use credit cards responsibly. Nellie Mae (August 2007) states that 93% percent of students would have liked more information on financial management topics before they started school and want financial management education made available to them now. This is proof that students crave the education before getting into debt. Allowing credit companies to market their product on campus is too much of a temptation for students. With no real education students will see credit cards as free money, spending the credit as if it were in infinite supply of money. Credit card companies prey on naïve students to maximize their own profit. According to the documentary Maxed Out (2006), credit card companies prey on uneducated adults who more than likely not pay their bill on time. This guarantees them max profit whether it is paid by consumer or companies that buy debt.
Students are graduating with an enormous amount to debt. This is a perfect reason to stop marketing credit cards on college...

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