Many financial services companies regularly offer credit argues that with effort, it is possible to reach a customer cards to college students who have a low income and no satisfaction level of 90 percent by focusing on the 20 percredit history. On the face of it, this practice seems con- cent who are dissatisfied. Furthermore, a 50 percent overtrary to that used by many banks, such as Bank of America, all delighted rating is within reach. Everyone turns to you to segment credit-card customers by income, risk, services, for approval to attempt to achieve these higher goals. What and profitability. Why do you think companies make these is your response? ‘

offers to college students?