When I was in college, I had basically one financial responsibility, make enough money for beer pizza. I was lucky enough to earn a significant scholarship and my parents used the money they had saved for tuition towards my room and board. I know not many students have it as well as I did. Much of them, like my wife, had to foot those bills on her own.

However, I’d rather not talk about myself or my wife today. I’d rather talk about my friend who ranked up a five-figure debt in college because she didn’t like the food at cafeteria and the Wing’s Express delivery man took a credit card. Her rationale was that when she got a job after school, money would be plentiful and she could pay it off. It took her a lot longer than she thought to pay that debt, but she’s learned the financial habits and is doing well enough today.

She may be doing better today though if Citi had the promotions then that they do now. From now until January 15th, 2010, The Citi® mtvUâ„¢ Platinum Select® Visa® Card for College Students and the Citi® Forward Card for College Students will give students 3,600 points for staying under their credit limit and being on time with their payment. It’s only valid if they are new cardmembers signing up through those links.

That may be a little disappointing to current card members, but I suppose that Citi has to recruit new student somehow.