Making their annual return to college campuses, credit card marketers are busy enrolling students in credit awareness programs, distributing leaflets on how to manage debt, and -- oh, yes -- accepting applications for cards.

Another year's worth of criticism and legislative proposals aimed at keeping college students from falling into card debt has not daunted the card companies. But it has prompted them to pretty-up what were once bald-faced solicitations for high-interest-rate credit products.

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