(1) Why do credit card companies target students even though most of them have little or no income? (2) Would it be wise for a manufacturer that is new to a particular industry (and unknown within it)...

(1) Why do credit card companies target students
even though most of them have little or no income?
(2) Would it be wise for a manufacturer that is new to
a particular industry (and unknown within it) to invest
most of its promotional resources in a pull strategy?
Why or why not?