【正文】
Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of whom are fresh out of middle school incapable of budgeting