“No, that's trouble. A lot of my friends have them, and they're all in debt. Every time I get a preapproved offer in the mail, I throw it away.”

— Martez Trotter, Illinois State University sophomore, Lawrence

“No, I don't. I don't need one. It just seems unnecessary at this point.”

— Jill Williams, Kansas University senior, Lawrence

“I'm getting one soon because I'm moving to New York in a couple of weeks, so I'm getting one to make essential purchases, like plane tickets home.”

— Quinn Wasson, Pace University sophomore, Lawrence

“I have a debit card, but no credit card. I'm afraid I might go crazy with it if I had one. I'm not all that good with money, so I don't need any more trouble.”

— Kendra Verhage, Johnson County Community College sophomore, Lawrence