Banks are notorious for targeting college students with credit card offers even though the student may be unemployed or have a very low annual income. Because these students are considered high risk, the credit cards typically have very high interest rates. Some people believe this is unethical because it is preying on an individual who is least likely to be able to pay the monthly balance and avoid high interest charges (in some cases the interest charges exceed the actual purchase when using small monthly payments). Others believe bank is responding to a need in the market place and providing credit to individuals who would not otherwise have access to funds.

Do some research on the topic, take a position and discuss.