Robb and Sharpe (2009) stated that by doing so, credit card companies put students in danger of overspending and cultivate financial adversity (p.25). To combat this problem, a concerned group of individuals has encouraged universities and college campuses to limit credit card vendors' access to students. The intent of the study was to examine the role that knowledge of personal finance concepts and principles can play in college students' decisions to rotate a credit card balance into balance tier