Targeting Campuses
October 23, 2008
It’s no lie that credit card companies target university campuses for new students that have just come to legal age of obtaining a credit card. I still remember my first credit card. I remember it was sponsored by MTV. I believe it was a Mastercard. I was walking from class to class one day with a classmate. We passed a booth where the companies asked if we wanted a free pizza. We’re poor college students and it’s lunchtime, of course we do! We filled out our applications for credit cards, got a box of pizza EACH and some other MTV goodies, I believe. It was exciting. I also couldn’t believe I would soon own my very own credit card. My, oh, my!
Throughout the years, my university continued with their booths on campus. I loved getting free stuff so I continued signing up for cards. The best part? They were all 0% APR for 6 months to a year! This was nice. I was using my card for small purchases all around town. I used it at McDonalds, the gas station, Borders, and Taco Bell. For the most part, my other friends didn’t have credit cards. I had one friend who did and we would go bargain shopping all the time.
I bet you think I’m going to tell you I think targeting college students is evil and I wish I never got them. NO WAY! I love them. I was able to enjoy things in my undergrad days I normally couldn’t afford with a work-study job. I was always, and still am very responsible in making timely payments as well. Want to know the result of years of accumulation of using credit cards? An EXCELLENT credit score I could frame and hang on my wall.
I recently bought a new car and I know this wouldn’t have been possible without my years of credit card usage building up a great credit. I also attribute it to my responsible skills. No one taught me how to be responsible with a credit card, I just was. It’s in my nature to be. To this day, I will get a credit card for the trial 0% APR then drop it and get a new one. It means my purchases are always interest free.
Those friends that thought credit cards were evil back in college? Well, they now have NO credit and can’t do the smallest financial things on their own because they have no credit history whatsoever. Oh well, I know I do 
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[…] Targeting Campuses Those friends that thought credit cards were evil back in college? Well, they now have NO credit and can’t do the smallest financial things on their own because they have no credit history whatsoever. Oh well, I know I do. […]
[…] Targeting Campuses It’s no lie that credit card companies target university campuses for new students that have just come to legal age of obtaining a credit card. I still remember my first credit card. I remember it was sponsored by MTV. … […]
[…] Targeting Campuses I still remember my first credit card. I remember it was sponsored by MTV. I believe it was a Mastercard. I was walking from class to class one day with a classmate. We passed a booth where the companies asked if we wanted a free pizza. … […]
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