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vice, which is a big attraction for those students who have no much money for their domination. Secondly, a credit card can help release financial burdens on those poor students. Thirdly, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. Drawn by these policies, many college students apply for credit cards. As far as I am concerned, it is not a bad thing for college students to own credit cards. However, there is a misuse of credit cards among students. Some students use credit cards to buy luxurious things, and even owe a big credit card debt. Therefore, schools and banks have responsibility to help students how to use credit cards properly.