College students are targeted for credit card companies

You know, it's not just at/around schools either. It's at job fairs. It's at sporting events. College students are not understanding that they're getting hard inquiries on their credit reports and putting a big "I'm irresponsible with money" flag on their credit, which will haunt them long after college graduation. All for a free t-shirt!

http://articles.moneycentral.msn.com/Banking/CreditCardSmarts/ConfessionsOfACreditCardPusher.aspx?GT1=10521

Does anyone have a college credit card debt nightmare they are willing to share? How do you feel about the (sneaky?) marketing tactics of credit card companies when it comes to newly launched young adults?