As a new way of consumption, credit card consumption is increasingly favored by college students who like fashion and fashion, which has led to many disputes over advantages and disadvantages. After analyzing the market situation of college students' credit cards, it is found that there are defects in the financial management function of college students' credit cards at present, and college students' own credit card knowledge and related financial management ability are not satisfactory. However, in the future credit card consumption market, college students, as a special group of potential customers, occupy an important position. It is necessary to form an educational network of credit card consumption and financial management from foreign universities, banks, families and other educational subjects, and improve college students' credit card financial management ability from their own financial management ability accumulation and exercise to ensure their rational consumption.

First of all, the use and consumption of credit cards are increasing. As a new way of consumption, credit card consumption is increasingly favored by college students who like fashion and fashion, which makes them a force to be reckoned with in the credit card consumption market. At the same time, most college students have not yet achieved economic independence, and their consumption is greatly restricted.

Second, the trend of credit card consumption is diversified. The consumption of traditional necessities shows an obvious downward trend. For example, the expenditure on clothing by credit card has dropped from 67% of the previous consumption to 5 1% of the total credit card consumption, and it is still in a downward trend. Instead, the cost of making friends, socializing, communication, digital products, travel and so on has increased.

Third, credit card consumption is relatively unplanned. College students' independent consumption ability is weak and irrational, and they are easily influenced by external consumption patterns. Their basic financial management knowledge and ability need to be improved urgently.

Fourth, credit card consumption has also made some college students gradually begin to cultivate financial awareness. I hope to receive some financial education, save money, increase income sources, and prepare the foundation for future financial planning.

It can be predicted that credit card consumption will become the trend of future consumption. Comparatively speaking, foreign card-issuing banks have always regarded the university campus as an important market segment, with relatively mature products and perfect service system. At present, the credit card of college students in China has just started, so how to make good use of this double-edged sword has become a top priority.