Word: cosman
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BayBank, which started soliciting students only four years ago, entered the market with the sole purpose of recruiting long-term customers, according to Jim M. Cosman, president of BayBank Systems credit corp...
...Cosman says that, although the student market composes a small percentage of total credit customers, BayBank decided to take advantage of its fall recruiting of college student checking accounts to appeal to potential new credit cardholders...
...make a distinction between college students and everyone else, so we offer something to students that is not offered to everybody else," Cosman says...
...always look at our business on terms of profit for our stockholders, and we felt that students pay us as well or better than our general customers," Cosman adds...
...help ensure that BayBank will retain their college cardholders after graduation, Cosman says that they arrange consultation appointments about increasing credit lines to coincide with the time of a student's graduation...