College students can be especially susceptible to credit card scams. Some credit card solicitations are actually veiled attempts at identity theft. Scammers provide fake applications or falsely represent themselves to gain access to your personal information.
Other credit card scams involve real credit cards, but the credit cards are misrepresented. Avoid falling for misleading credit card offers that actually have unfavorable fees, terms, and/or interest rates.
How to Protect Yourself
If you need a credit card, applying through your bank is probably a safer option. Don’t fill out unsolicited credit card offers or provide personal information on credit card offers you didn’t seek out. Research different credit card companies and always read the full terms and agreements before signing.