Yes or no to a credit card?

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Numerous college students own a credit card and half are seriously in credit card debt. Credit scores, payments missing, and interest rates can be financially devastating. There are some factors that contribute to college students being in credit card debt like college students actually paying for tuition, school supplies, and textbooks. Jill M. Norvilitis and Philip Santa Maria points out that “it does not matter what type of card individuals use, the reasons are particularly understood; for college students, credit cards are their only means for paying for their education”. The Card Act helps guide students in campus and informing them about the agreements of the card and preparing them to get financial experience. Some individuals agree that college students are applying for a credit card at a young age and getting in debt early. Even though college is a place where teenagers come to gain information and skills for jobs or to get in debt; should college students have a credit card?
Unquestionably, when a teenager graduates from high school they go to college to get their degree, but sometimes after graduating they receive their degree and also a credit card debt. Mary Ludlum and Brittany Christine Smith stated that “credit on campus can only be described as a plague” (Ludlum).There is no doubt that students go to college learn skills, socialize, but also because some jobs require a degree. The TERI study reported:
19 percent of students have charged their tuition and fees, but one-third of those with balances of over $1,000 have charged tuition. If the balance is not paid in full, this is, in essence, an 18 percent loan. Charging tuition, then, may be part of an escalating pattern for some students in financial trouble (Norvili...

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Hawkins, Jim. “The Card Act on Campus.” Washington & Lee Law Review 69.3 (2012): 1471-1534. Academic Search Complete. Web. 15 Nov. 2013.
Kimbro, Dennis. It Can Impact Your Future!” Black Collegian. 38.2 (2008):71-73. Academic Search Complete. Web. 3 Dec. 2013.
Leclerc, Kristi. “Influential Factors Contributing to College Student Spending Habits and Credit Card Debt." Sociology Journal (2012): 149-156. Ebsco host. Web 1 Dec. 2013.
Ludlum, Mary, and Brittany Christine Smith. “The Credit Card Plague on the American College Campus: A Survey.” Mustang Journal of Law & Legal Studies 1 (2010): 72-76. Academic Search Complete. EBSCOhost. Web. 15 Nov. 2013.
Norvilitis, Jill M., and Phillip Santa Maria. “Credit Card Debt On College Campuses: Causes, Consequences, And Solutions.” College Student Journal 36.3 (2002): 356. Academic Search Complete. Web. 15 Nov. 2013.

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