University Daily Kansan, February 6, 1985
CAMPUS AND AREA
Page 8
Credit advisers say cards can buy time, debts
By JULI WARREN Staff Reporter
Credit cards may seem to be a prestigious and effective way to postpone bill payment, but college students shouldn't apply for them unless they are sure they won't have to pay. That is the responsibility of a Lawrence consumer agent.
Clyde Chapman, director of the Consumer Affairs Association, 819 Vermont St., said most undergraduate students were not ready for credit cards, although they might apply applications from companies.
"A rule of thumb for the average student who's not working is to stay
away from credit cards," Chapman said recently.
He warned that overspending with a credit card was easy. Students may think they will have the money for a purchase by the time the bill comes, but "reality doesn't always work that way," he said.
"IF A STUDENT should get credit cards and he does not pay on schedule, or if he gets fired, the adverse information could end up at the credit bureau or in a credit file he didn't know he had," Chapman said. "Any adverse information in a credit card remain there for seven years."
But a credit reporter for the Credit
Bonding Corporation, said credit cards benefited students.
Terri Post, the credit reporter, said students should get credit cards as soon as they could afford them so they could establish good credit ratings. The ratings will help them bank loans, she said.
"The longer you have the account, the better it is down the road," she said.
Positive information - such as paid loans - as well as negative, is recorded in the credit rating. Post said.
POST AND CHAPMAN agreed that obtaining a credit card and not using it probably would not help establish a good credit rating.
Chapman said students could state on loan applications that they had cards, but the credit card company
would be unable to provide any customer experience information to the inquiring bank.
Post said that if a cardholder did not use a card for a year, the company would send notice to use the card or destroy it.
Spokesmen for the credit card departments of Amoco Oil Co, and Sears, Roebuck and Co. said college students were a good credit risk. Both of these companies now are mailing credit card applications to juniors, seniors and graduate students.
RICHARD MOREY, student service manager for Amoco, said that on the average, college students were a risk than the overall population.
Bill would help cities with asbestos removal
By NANCY HANEY Staff Reporter
Staff Reporter
TOPEKA - A bill that would authorize cities to issue municipal bonds to pay for removal of asbestos in public buildings was introduced in a Senate committee hearing yesterday.
The Senate Local Government Committee heard testimony in support of the bill, which was written by committee members and lobbyists.
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The committee may decide next week whether to send the bill to the full Senate.
Barbara Sabol, Kansas Secretary of Health and Environment, told the committee that asbestos fibers had been found in some public buildings and schools, in sprayed-on ceiling materials or pipe or boiler insulation. The agency is investigating how much harm is done when people are exposed to low levels of asbestos. Sabol said, asbestos is widely suspected to cause cancer.
THE BILL WOULD help cities remove asbestos, said Joseph Furjanic, staff attorney for the Kansas Association of School Boards.
Many of the school districts could not afford the costly procedure, Furjanic said, so special bonds would be issued to pay for the removal.
The bill also would require the Department of Health and Environment to certify all persons or businesses that remove asbestos.
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State Sen. Wint Winter Jr., R-
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Lawrence, a member of the committee, said he thought the inspection and regulatory responsibilities should lie with one state agency rather than being split between the Department of Health and Environment and the Department of Human Resources.
The Department of Human Resources, which is investigating the problem at KU, has only one expert who can remove asbestos. Sabol said.
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Deliveries between
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COUPON EXPIRES MARCH 5,1985
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