Every time I go to the mailbox there they are; applications from Capital One, and various other Visa and MasterCard offers, beckoning me to sign up. "Low monthly payments" says one, "hassle free card" says another. Well I have dealt with them before, and let me tell you, they are not hassle free. On my way out of the HUB, credit card applications litter the floor of the garbage, and are a common annoyance found in every batch of mail that many a college kid receives. Is that a letter from mom? Grandma? My ex-girlfriend? Oh wait, no its from my friends over at Bank One. I once put my name down to get a free Philadelphia Eagles hat four years ago at an Eagles game, and once every three months since then I get an offer from MBNA America for the Eagles credit card. Why do these credit card companies try so hard to market to us as college students? We don't even make money, or at least not enough that it would pay for them to waste all the time they do soliciting us. Being assigned a paper for personal finance class, and being fairly free to pick what I am interested in, I chose this subject. I was going to answer many of the questions that I have always wondered about credit cards and college students, as well as the importance of credit that most college students just do not understand. From personal life I know that many of my friends (and even me sometimes) do not use credit wisely. If a new Playstation game comes out and it is related to sports, there is a very good chance that either I or one of my friends is buying it. How do you ask, since we are college students who only work a couple of hours a week? With that plastic card that is known as "fake money". At least that's how I used to think about it until my father called my apartment yelling "I gave you this credit card for college expenses, not for $72 charges at Best Buy." Which brings me to my next point; in my opinion the credit card companies know that colleg...