Factors affecting credit card usage

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dc.contributor.authorSyed Ahmad, Syed Sharaff
dc.date.accessioned2016-04-08T06:54:08Z
dc.date.available2016-04-08T06:54:08Z
dc.date.issued1998-03
dc.description.abstractSpending via the using of credit cards has reached an alarming level and had prompted Bank Negara Malaysia to take some drastic actions including increasing the minimum monthly payment from 5% to 15% and imposing an annual surcharge of RM50.00 per card, to curb the spending. As at June 1996, There were estimated more than 2 million cards issued in this country with a total transaction of RM4.1 billion. This study will make an attempt to find out why do people use the cards and whether the demographic and psychographic factors of the card users have a bearing on their level of usage. The respondents are credjt card holders in Georgetown Penang. It is expected that psychographic and demographic factors have an influence in the level of card usage. The findings show that there were positive associations between some of the psychographic factors and the level of credit card usage. The result also show that there were no significant difference between male-female card usage but there were significant differences in level of usage between married-unmarried and graduate-non graduate users. The result also show that the self-employed and private sector employees use the cards more than their counterparts in the public sector. Finally, this study reveals that the non Malays use the card more heavily than the Malays and those below 30 years old and in the 40-50 age group find the card more useful than those in the other age groups.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/1814
dc.subjectcredit carden_US
dc.titleFactors affecting credit card usageen_US
dc.typeThesisen_US
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