At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid their credit bills in full. The average balance of credit-card holders was $890. While large majorities of the students thought that using credit cards to pay for school-related and living expenses was acceptable, relatively few of the students approved of the use of credit cards for luxuries and vacations. While the Euro American students held more positive attitudes toward credit than did other racial or ethnic groups, age, gender, and birth order were unrelated to attitude toward credit cards. (13 ref)--College of Human Sciences, Texas Tech University. (This article originally appeared in College Student Journal, 2003, 37 (September) pp. 405-419.)