Credit Cards are Going Social, Play Responsibly

July 17, 2012 by Justin C197 Comments

There is obviously a thrill behind someone giving you a card with “free money” on it
to buy whatever your heart desires. However, as appealing as having money on a
card to spend on your needs and wants is, there are consequences. That money has
to be paid back and with interest. Being young and naive is just what credit
card companies are looking for in consumers.

However, the CARD act (the credit card accountability, responsibility and disclosure act)
was passed to protect young people from unfair marketing by credit card
companies. By eliminating aggressive tactics to sign up consumers, the CARD act
has helped many young students stay away from credit debt, to a certain extent.
Credit card companies are trying to bypass the act that negates the use of
setting up at college campuses and giving away free gifts by advertising through
social media. Special offers are being made on these sites for points and

There are a lot of complaints in having a credit card; billing disputes, late fees,
interest rates, credit reporting, identity theft, etc. In 2012, consumers are
projected to add $50 billion in credit card debt alone. When applying for a
credit card, it pays to know what you’re getting yourself into. Know your card.
Shop responsibly!

courtesy of


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