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It is blatantly unethical to market credit cards to college students. Credit cards are now considered a serious threat to students, even greater than alcohol or sexually transmitted diseases according to sociologist, Robert Manning (qtd.in Hoover 3). Students are easy targets for banks. At eighteen, the average age of a college freshman most of them have no previous banking or credit experience. This puts them in a vulnerable position and they easily give in to the lures and incentives offered by these companies. Credit card companies often distribute free T-shirts, Frisbees and long distance minutes to those who apply for credit cards. Reports suggest that debt related problems such as unpaid balances and late payments are higher among those students who sign up simply to receive these complimentary goodies (Gordon 262). Generally, in the case of college students higher