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Study finds fewer college students obtaining credit cards

College campuses and popular spring break sites used to be cluttered with credit card companies trying to get as many students as possible to apply for a card. These days, the atmosphere is somewhat different, as the Credit Card Responsibility and Disclosure Act has brought added requirements for those under 21 years of age to be allowed to obtain a credit card. The Act was signed into law in 2009, and requires individuals under 21 to get a co-signer to be able to obtain a credit card - unless the individual has an independent income.

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