people smoke even with the warnings. they prey on college kids....that is all
I saw it first hand. These credit card "reps" came to the football dorm at WCU my freshman year. They actually walked down the halls knocking on the doors and talking to the brothers, most of whom came from less privelaged families. Their sales line was "I can get you a $5,000 credit limit today if you sign up right now." I'll bet they signed up 30 new clients on my floor alone.
Sadly, most these guys blew there Pell Grant money on beer and weed also. I used to give this guy a ride home when we went home for a weekend or something. Dude spent his entire Pell Grant (which was like $1300) in one weekend. Bought a hotel room and booze and whatever else for all his boys.
Personal responsibility.....not just credit card predators.