I believe that universities know that most of the students who attend have no background or knowledge of how credit cards work. The faculty should educate the students on credit cards, the pros, and cons, how to read the terms of the agreement, and what the percentage means. A good example could be to show some examples of a charge what it looks like to pay it off promptly, and what it looks like if you keep making charges on the card. Before any affinity credit cards are offered to students at the universities, the faculty should understand the impact the card has on students and be held accountable for educating the students. Some students will be quick just to get a card, either because the card looks cool, their friends are getting one, and maybe the card helps pay for school items they would normally would not be able to afford.

Those universities that do offer affinity credit cards to students must maintain the student's privacy, and not give out their personal information to a third party. There should be some sort of professional conduct with universities when engaging in business agreements that affect students. Most students are not financially well off, and to have these types of credit cards could put the student's financial status in jeopardy, and possibly not return or finish school.