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Legislatures in four states have already established bills to tamper some company practices around student credit cards on campuses in their states. The first week of February, New Jersey joined the list of states trying to crack down on predatory solicitations of student credit cards on campuses. A bill was introduced that requires companies to provide educational programs for students prior to any student credit cards being issued. The programs must provide an understanding of how debt affects credit, how interest on balances is calculated, the different interest rate terms and the consequences of not paying balances in full each month. The law will target incentives and give aways, as well.