【正确答案】正确答案： Credit Cards on Campus Most undergraduates in the United States last year had at least one credit card. / Borrowers who do not pay their card debt in full each month / have to pay interest on whatever balance remains. / In a time of economic downturn, / college students are depending on credit cards more than ever. / Many seem to use them to live beyond their means / —to spend more than they have. / However, a new law makes it harder for banks / to give credit cards to people under 21. / To get a credit card, they need a parent or other adult over 21 to accept joint responsibility. /