随着我国近年来社会经济的不断发展，信用卡在人们的生活中得到深入普及。作为具有特殊功能的新型金融产品，信用卡同样也得到了大学生的青睐，这使得校园信用卡消费成为一种时尚。伴随着大学生对新兴商品的消费热情，各大银行纷纷发行了区别于一般信用卡的校园学生信用卡。近几年来，各种大学生信用卡开始逐渐在校园内被推广。本文主要介绍和分析了现时大学生信用卡市场中的几种常见信用卡，并通过调查问卷，分析了大学生信用卡消费的基本状况，对大学生使用信用卡的动机、方式和不同因素对他们消费行为的影响作出了比较和研究，对银行开展校园大学生信用卡业务提出了建议，对引导大学生树立良好的消费观念作出了思考和分析。

In the trend of growing in the society economic development in China recently years, the credit cards becomes more popular in the daily life. As the new financial products which own the special function, the college students take the credit cards as their favor so that purchasing by credit cards becoming the new fashion. Different banks issuance the campus students’ credit cards with the college students’ passion in the new type products and as the developing process variety kinds of students’ credit cards are extending in the campus not for a long time. This paper introduces and analyses some familiar credit card in the college students’ credit cards market nowadays. Through the questionnaire interview this paper analyses the credit cards consumption of college students, comparing and studying on the consumption motivation, types and the factors toward on their behaviors. Then the paper gives advises on the operation expansion for the banks and how to help college students and lead their focus on a nicer consumption concept.