21.   Card issuers say students are being allowed to establish credit under convenient terms and have proved no more likely to default than typical card holders.

22.   Card issuers say that they are providing a service that students want, and that they try to educate them about using cards wisely.

23.   Card issuers say they distribute learning materials that teach students about how credit works and what happens if they fall behind in payments.

24.   Citicorp, the leading Visa card issuer, could overtake it for the first time later this year, said RAM Research Group President Robert McKinley.

25.   Consumers are borrowing more than ever, using the easily available credit offered by card issuers.

26.   -Contact your card issuer to find out if any of your cardholder information can be given to partners or affiliates of the card issuer.

27.   Critics say the card issuers have courted collegians too aggressively.

28.   Earlier, he was an executive at First Data Resources Inc., which provides data processing for credit card and debit card issuers.

29.   Even some card issuers that did well in the third quarter might face tougher going in the months ahead.

30.   Edmund Mierzwinski, the consumer program director for the United States Public Interest Research Group, said large public universities typically earned millions from contracts with card issuers.