... Even though many students like to use credit cards for emergencies or necessities such as tuition fees or books and they think they can pay the debt off when they have a job, with credit cards, students tend to spend more ("The Danger of Credit Cards"); "the availability of credit cards has profoundly changed a typical student's consumption patterns" (Manning, 170). Therefore, easily available credit cards for college students must be more strongly controlled because it causes serious destructive effects on students' lives. Robert D. Manning, a professor of business at Rochester Institute of Technology in the US, reports that the student credit card market began in the late 1980s. Faced with financial difficulties, credit card banks targeted college students. They considered college students "new groups of the financially desperate" (167), and they have been very successful. Not surprisingly, credit card issuers tend to target college students because college students ...

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