So Patel, who was unaware that some companies do credit checks on prospective employees, is back to making payments. Such stories ring woefully familiar with credit counseling groups. CCCS has hosted 150 seminars at most Texas universities and community colleges in the past two years, aiming to educate young adults on the proper use of credit cards and the importance of credit reports. Anderson said there is a definite need for the seminars. They have no idea how to set up a personal budget.
Credit cards are too easy to get.
Students pretty much charge to the limit in a hurry. We're seeing more students coming in for help. A big factor, he said, is the lack of self-discipline. The majority of their purchases are not essential. I say that having heard them firsthand in our seminars and classes.