WEST PALM BEACH, Fla. — Just a few years ago, credit card companies set up tables at college campuses and offered students freebies such as T-shirts, candy, and Frisbees if they signed up for a card on the spot.

The Credit Card Accountability Responsibility and Disclosure Act of 2009, which took effect in February 2010, changed that scene. Now the companies are prohibited from soliciting within 1,000 feet of a college campus.