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Diane Publishing Books
Credit Cards: Marketing to College Students Appears to Have Declined
Alicia Puente Cackley (au)
Institutions of higher education, alumni groups, and other affiliated organizations may enter into agreements with credit card issuers for ńˇýcollege affinity cards,ńˇŁ in which issuers use the institution's name or logo in exchange for payments. Separately, some credit card issuers offer ńˇýcollege student credit cards,ńˇŁ which are expressly targeted to students. Partly in response to concerns about card issuer practices and rising student credit card debt, Congress passed the Credit Card Accountability Responsibility and Disclosure Act of 2009. The act includes consumer protections and requires disclosures specifically for consumers under the age of 21, including limits to on-campus credit card marketing and requirements for public disclosure of affinity card agreements. This report examines (1) trends associated with and characteristics of college affinity card agreements; (2) the extent of marketing for college affinity cards and college student credit cards; and (3) what is known about the effect of use of these cards on student credit card debt. Tables and figures. This is a print on demand report.
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