My son, a sophomore at Penn State University Park, recently received an application for a MasterCard credit card offered by Bank of America, with the full endorsement of the Penn State Alumni Association. My son does not have two nickels to rub together and he is being offered a credit line with Bank of America. That is bad enough! What's worse is that his own school has placed its name on it, adding to the sales pitch with free rewards and points. I am OK with using the Penn State Alumni Association name with adults that are not enrolled in school, but this promotion is clearly aimed at Penn State students.

I, as an alumnus, am extremely disappointed in this approach and ask the alumni association to stop it. Students that live on little or no income can ruin their credit ranking, and worse, build up debt that will ultimately hold them back from quickly becoming a productive member of society. It is hard enough these days for young adults to understand fiscal responsibility and the high cost of education. I would expect the Penn State Alumni Association to assist young students in obtaining fiscal "know how," not promoting credit card use with no income. I guess my expectations are too high.

Shame on the Alumni Board and Senior Vice President of Bank of America Ted Dwyer for signing his name to it.

Drew Pensyl

Class of 1987