A Study Of College Students’ Credibility Problems In The Use Of Credit Cards

Purchasing orders with credit cards has become a popular means in current society. Credit card is the combination product of the traditional financial services and modern advanced technology. Through the development of the credit card lasts only a few decades, it is mature nowadays. The function of credit card varies, for example payment settlement, function of saving and credit etc. And it has many advantages, such as convenience, safe and reliable, and it qualifies the demand of most postgraduate student consumers. These years, with the extension of the admittance scale of the universities, the quantity of the university students increases gradually and their demand of credit cards grows day after day. However, upon the continuous development of the credit card services of the university students, the risk of the university student credit card has accumulated step by step, which resulted in the bottleneck of the development of the usage of the credit cards for university students. Meanwhile, since the banks would consider more on their own benefits, various problems occur in the process when the university students use the credit cards. It makes harm control of the usage of the university student credit card not to be trifled with in the development of the current society.Therefore, this article researches the characteristics in usage of the credit cards of the university students and the background statement of the current credit card usage in detail. Firstly, the article analyzes the current condition of usage of the credit card of the university students. Targeting at the field of the usage operation of the credit cards of the university students and the phenomenon of credit cheat and law violation in the usage of the credit cards, the article analyzes the using attitude and using behavior of the university students according to the regulation of the market. The article explores the factors influencing the integrity in the usage of the credit cards regarding to the integrity problems in using the credit cards. It is impossible to avoid all the integrity problems in the process of using the credit cards. The correct way is to control the occurrence of the risks effectively to deduct the risk to the bottom under the premise to admit the risk. The article provides constructive suggestions from several respects in solutions, targeting at the current society condition of our country, based on the analyzing conclusions of the previous content. We need to express the power of the nation to establish advanced society integrity system and exact law and regulations to regulate the behavior of dishonesty through strengthening the construction of the related law and terms to positively build the integrity atmosphere of the society. Through optimizing the environment of the society and regulating the publicity orient of consensus, we need to strengthen the publicity of the opinion of integrity and form honest and ordered society circumstances from different respects. The relevant financial institution should strengthen management and check strictly, especially in the process of issuing the cards. Also the financial institution cannot loosen the qualification check of the applicant of the credit cards due to the performance and need to establish the protection system in the field of the risk in the usage of credit cards. The education combination of the universities and families need to be fully used to develop the integrity education, and build and perfect index system of the university student integrity evaluation. From the perspective of the university students, the students need to strengthen the ability of self – management and the ideological and moral cultivation. Under the background of the modern Internet times, the university students should stick to the bottom rules of treating with all sincerity in the virtual relationship space.