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Why Credit Card Companies
Love to Target Young People


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In this episode of Money Creation Explained, we are going to cover Why Credit Card Companies Love to Target Young People.

Basic money fundamentals and skills are not taught in elementary, middle, high school or college. Most of us are taught math, science, history, language arts, social studies and similar courses.

Companies advertise products and services to young children and teens telling them what they must have. Society also reinforces this and today’s generation is about instant gratification and getting everything fast in life. Also, credit card companies push credit to young adults and target them for many reasons. These include getting them early when they can be influenced and are more impulsive. Rewards and other freebies have a higher rate of success with youngsters, and most parents will bail their children out if they get into financial trouble.

The average young adults, by the time they start working, are using their money for luxury items such as headphones and brand name sneakers and never get in the habit of saving as much as they can. Saving money gives a person financial maturity and stability and many options that the person who never saves does not have. According to many studies, the average American does not have $1,000 in their bank account to cover an unexpected bill. That means, in the event of an emergency expense (vehicle, housing, medical, etc.), if family or friends cannot help, the average person would have to rely on high interest credit cards or payday loans. Most people do not think that far in the future and do not calculate the amount of wasted funds they spend on loan interest and related service fees.

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