But the people the banks are offering to up the creidt for are the ones paying of the minimum each month. So thats good business for them. Students are also at the start of their working carear so in theory are good customers to get. In later years when they want loans (to pay off credit cards probably) mortgages the changes are they will stick to the same bank that helped them through the lean years. I'm nost saying it's morally right. But it is good business. All business target the people that are going to make them money. J.