Response Case

In the Article "Maxed Out," the author, James D. Scurlock explains how credit card companies are targeting young college student. He says that credit card companies are making it easier for college student with no prior credit history apply for credit cards. These companies are only targeting young people, who are not work, and cannot pay their bills. They are making applying for credit difficult for adults with credit history and a job. According to the author, companies want students to apply, contemplating that the students' parents will pay their bills for them. Scurlock says that this is not the case. Student have to be careful when apply for a credit cards, because a credit card is major responsibility, more important than doing one's homework. However, I do not agree with the author that these companies are doing the wrong thing, but advertising to these college student.

The author brings up a case with a college student, who went to University of Texas at Dallas(UTD). This student was "A national Merit Scholar," which gives us that idea that he is very knowledgeable. After this student applied for a credit card, he was in debt, dropped out of college and he later hung himself because of the debt he had. I don't agree with the author, that credit card companies need to stop their tactic of drawing in young people. When you someone is applying for a credit card, he or she is given contract that they have to agree to. For example, the credit card company "Discovery" had sent me an offer to apply for a credit card. I opened up the offer, and I perused the offer. I decided that it might be a good idea to build my credit rating. I asked my father before I applied for the card, and he asked me sarcastically, "Do you have a job?" I didn't know how to respond to his question. He made me realize that I have to think about how I'm supposed to pay the bill for this card. I believe that young people can apply for credit cards. They have be smart enough to know what they are getting themselves into, and how they supposed to pay for it. I didn't apply for the Discovery card, because I asked myself why I need a credit card when I have no bills that I have to pay for. It is not the fault of the credit companies students are becoming in debt. It is the fault of parents, they do not discuss with the sons and daughters the consequences of having a credit card. In my case my father informed me about my circumstances and why I do not need a credit card, but most parents do not take any time to make sure their children are aware.

I don't believe that a scholar student would be so unwise to rack up $12,000 in debt, and not think about how he is going to pay it. Scurlock says that due to debt that the student acquired, he was overcome, and he committed suicide. This student was a scholar,