I got my first credit card, a Master card from Citi Bank, back in 1997 when I was a graduate student (and assistant) in Rolla. At that time I had part time job in school. I used the card to pay grocery, books (things I need to buy anyway), and I paid off the balance each month.
After 10 years, the credit card business is booming in China. Here is an ad I saw at Eastern China Political and Law University. I hope Chinese college students can use the credit card wisely.