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writing their names. Then Fred began crying. The teacher looked at him and said,” Why are you crying, Fred?” “Because his name’s Lan May, and mine’s Frederick Hollingsworth,” Fred At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities acrothe nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and th