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Don't forget
Oct 7 Last day to drop a course
Oct 7 Last day to declare a course passfail
Oct 9 Last day for graduating seniors
to apply for a degree application
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" I T
Cards like these allow students to buy now and pay later
Baraks urge stmdlertts
to use plastic moeey
By CLAY THORP
Staff Writer
College students are prime
targets for the endless stream of
mail from companies pushing
credit cards. But as students sift
through letter after letter, they ask
themselves the same question:
Who are these companies and
what do they really want?"
"They are banks, all banks,"
said Robert Lang, director of
research at Bank Credit Card
Observer in New Jersey.
Lang said that large banks such
as Citibank NA and Chemical
Bank target students because they
are demographically prime candi
dates for credit cards.
"Our experience has been very
good with the student," said Bill
McGuire, a Citibank NA spokes
man. "We are a large marketer of
credit cards for students and have
been for about seven years."
Citibank's normal credit card
interest rate for students is 19.8
percent and the annual charge is
$20, McGuire said.
The same rates are also offered
at Chemical Bank, based in New
York, said Cerise Stepney, custo
mer service representative at the
bank.
These cards offer limited credit,
and the interest rate is higher than
the normal national credit card
rate of 17.3 percent. But it provides
a good way for the company to
build a relationship with the
customer at an early age, McGuire
said.
Lang said, "Shop around for
bargains. You have just as much
right for low interest cards as
anyone else."
Dorothy Bernholz, attorney for
UNC's Student Legal Services,
said that students should realize
that when they get a credit card
and use it responsibly, they can
build good credit.
If someone gets in trouble with
Fight
pieces still littered the area around
the damaged candy bar machine. The
glass on the front of the machine was
gone, and no food was left in the
machine.
; Clark emphasized that the fight
yas not connected to Alpha Phi
Rally
Will Nash, a graduate student in
ihe English department, read from
rBest Short Stories of Negro Writers"
which was banned as "immoral, anti-
American and just plain filthy " he
said.
And Gudrun Fickes, a Chapel Hill
resident, read two poems for Shel
Silverstein's book, "Light in the
Attic."
Silverstein's book was banned
because parents on the Alabama
textbook committee felt one of the
;poems encouraged children to break
dishes.
"The Wizard of Oz" by Frank
'Baum was banned in Tennessee
(because some witches are portrayed
IE3E
V
x -1
credit, credit counseling services
can help students learn how to
budget money and repay the debt,
she said.
Bernholz said she usually gets
at least five or six cases of students
with bad credit per month. She
recommended that students with
credit problems go to Consumer
Credit Counseling in Raleigh.
Credit cards are convenient and
allow students to get a head start
on building credit while still in
college.
"I like to use my credit card
because you get your bill at the
end of the month and everything
is so organized, whereas if you use
cash, you see your money dwin
dling away," Steve Page, a junior
from Wilmington, Del., said.
"Plus it's a good way to impress
your girlfriend."
But some UNC students do not
want to be bothered with sorting
through all of the maU.-
"(Large banks) try to push (a
credit card) on students as a
symbol of financial success," said
Brock Winslow, a sophomore
from Hertford. "A lot of people
could get into trouble with it."
Sunjay Shah, a sophomore
from Cary, said he thought that
the mail offers he received from
the large national banks are too
tempting. "I think that it makes
it too easy for students to lose their
credit rating."
When asked about the credit
card offers he gets in the mail,
Keith Kim, a sophomore from
High Point, said, "I think it's a
bunch of trash."
The Bank Credit Card Observer
offers an $8 consumer kit contain
ing a list of 25 banks with the
lowest interest rates as well as
other information, Lang said.
To order a kit, write to: Bank
Credit Card Observer, Old Lin
coln Highway, Suite 6, Kendall
Park, NJ. 08824.
from page 1
Alpha, and he called it "an isolated
incident."
"The people involved in the fight
were not affiliated with our organ
ization or the University," he said
"We've never had problems like this
in the past, and we certainly don't
plan to have any in the future.
from page 1
as good in the book, said Kenneth
Reckford, a classics professor. Those
who wanted to ban the book com
plained that "all witches are bad and
linicea witn batan, as everyone
knows, he said.
Patrick Dilger, a journalism grad
uate student, concluded the hour
long rally with "Bury My Heart at
Wounded Knee" by Dee Brown. The
book, about American Indians in the
second half of the 19th century, was
banned in Wild Rose, Wis.
Dilger quoted an administrator
from Wild Rose as saying, "If there's
a possibility something might be
controversial, why not eliminate it?
fr v r LnM
PfflssiM tart et grade orottnoiii
By LYDIAN BERNHARDT
Staff Writer
A Faculty Council advisory com
mittee is considering a proposal that
would allow students in pass fail
courses to be rewarded for earning
good grades, without penalizing them
for low ones.
According to the proposal, stu
dents would "target" a grade in each
pass fail course. Those who earn the
target grade would receive that grade
in the course, while those who do not
would receive only a "pass" or "fail."
The Educational Policy Commit
tee, an advisory committee to the
council, met Friday to discuss the
Campus Calendar
Monday
12 p.m. The Institute for Envir
onmental Studies is
sponsoring an Environ
mental Seminar with
Dr. Robert Harris
speaking on "Incinera
tion of Wastes: Issues
and Risks" in 05 Mit
chell Hall. Public
invited.
Women's Forum of the
Campus Y is having a
"Stop Bork Rally" in
Introducing
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pass fail proposal.
The committee will make a recom
mendation to the council on whether
to implement the proposal, but no
deadline for the decision has been
made.
"The immediate task of the com
mittee is to discuss the pass fail
proposal and look at target grades,"
said Miles Fletcher, chairman of the
committee and a professor in the
history department.
"The pass fail proposal will be the
most important thing on our agenda
for some time," Fletcher said,
"although it's still in the planning
stages."
the Pit.
3:45 p.m. Media Board will meet
in 226 Union.
4 p.m. The German Depart
ment is sponsoring a
lecture by Princeton
University Professor
Theodore Ziolkowski
entitled "Religion and
Art in German Roman
ticism." It will be in the
Toy Lounge, Dey Hall
Career Planning and
Placement Services will
have a video presenta
tion sponsored by "Bus
iness Week Careers" in
210 Hanes Hall.
Career Planning and
Placement Services will
hold a panel for careers
in personnel in 210
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The Daily Tar
Milly Barranger, a committee
member and chairman of the Depart
ment of Dramatic Art, said the
committee will have to do much more
thinking about the proposal before
making any recommendations, espe
cially since new members unfamiliar
with the proposal have been added
to the committee this semester. -
"I don't think the committee is
ready to make any recommendation
about the pass fail option, if there
is any recommendation to be made,"
Barranger said. "There will have to
be a lot more discussion."
Student Body President Brian
Bailey, who has supported the pass
Hanes Hall.
7 p.m. Anti-Aparthied Sup
port Group will meet in
the Union. Check desk
for room.
Senior Class 88 and
Marriott Corp. invite
you to spend an evening
with Carl Fox, Orange
County District Attor
ney, in the North Ban
quet Room of Lenoir
Hall.
19S8 Yackety Yack is
having an all staff meet
ing in Union 206. New
members welcome.
8 p.m. UNC Ballroom Dance
Club will sponsor free
mamba lessons in the
Woollen Gym Dance
. Studio. All welcome to
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MAGNMOX
HeelMonday, September 23, 1C375
cIsot
ssfid.
fail proposal, said he expected the
delay in a decision.
"I never expected we could just
snap our fingers and implement the
proposal," Bailey said. "Therc been
some faculty opposition. I would
rather they take their time than make
a hasty decision and defeat the
proposal. It's worth the wait to get
it to pass."
Bailey said Fletcher approached
him with the proposal last semester
to ask his opinion, and they discussed
it at length. "I think it's a great
change," he said. "It gives the
undergraduate program a lot of
flexibility."
learn this contemporary
Latin dance from the
movie "Dirty Danc
10 p.m. STV will air at Pizza
Hut or on Channel II
Village Cable.
Items of Interest
All Campus Calendar announce
ments are due by NOON on the day
before they are to run in the DTH.
Phi Kappa Sigma announces
little sister rush. Call Rick at 933
7733 for more details.
UNC Media Board is now accept
ing applications for secretary and
business manager. For info and
application call 929-1952.
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