You check your campus mail here at Union. There is a credit card application in the midst of all the junk mail. The offer sounds too good to be true. You remember that purchase you wanted to make the other day. Guys-maybe it was those new Playstation 2 games. Girls-it was that new outfit at the mall that looked GREAT on you. The total cost is $125. You think, "Hey I could apply for this card, get what I want and just pay for it later on. I need to establish a credit history anyway."
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