As College sophomore Christian bAlbornoz/b, put it, "The problem with credit cards in college is that kids have so much on their minds that it takes a certain type of person to keep up with payments and not rack up a lot of debt. ... of the growing number of banks on campus to open your own checking account and stop relying on Dad's credit card. Planning a trip to Costa Rica? Make saving up for that bvacation/b in advance part of those plans. A summer job should do the trick. ...