As an emerging consumption model, credit card consumption is increasingly favored by college students who like fashion and fashion. This consumption method has triggered many debates about the pros and cons. After analyzing the market situation of college students' credit cards, it was found that the current financial management functions of college students' credit cards are flawed, and college students' own credit card knowledge and related financial management abilities are also unsatisfactory. However, in the future credit card consumption market, college students, a special potential customer group, occupy an important position. It is necessary to form an education network for credit card consumption and financial management from outside education entities such as schools, banks and families, and to accumulate the financial management capabilities of college students themselves. and exercise to improve college students’ credit card financial management abilities and ensure their rational consumption.

First, the amount of credit card use and consumption is increasing day by day. As an emerging consumption model, credit card consumption is increasingly favored by college students who like fashion and fashion, and this consumer subject makes them a force that cannot be ignored in the credit card consumption market. At the same time, most college students have not yet achieved financial independence, so their consumption is greatly restricted.

Second, credit card consumption trends are diversified. Traditional necessary consumption has shown a clear downward trend. For example, credit card spending on apparel has dropped from 67% of total consumption to about 51% of total credit card consumption, and is still on a downward trend. Instead, expenses such as dating and entertainment, communication expenses, digital products and travel are on the rise.

Thirdly, credit card consumption is relatively unplanned. College students have weak independent consumption ability, lack of rationality, and are easily affected by peripheral consumption patterns. Their basic financial management knowledge and abilities need to be enhanced urgently.

Fourth, credit card consumption has also enabled some college students to gradually develop financial awareness. I hope to receive some financial education, save expenses, increase sources of income, and lay the foundation for future financial planning.

It is foreseeable that credit card consumption will become a future consumption trend. In comparison, foreign card-issuing banks have always regarded university campuses as an important market segment, with relatively mature products and complete service systems. However, my country's current college student credit cards have just started. How to make good use of this double-edged sword has become It's urgent.