期刊名称：International Journal of Early Childhood Special Education
电子版ISSN：1308-5581
出版年度：2022
卷号：14
期号：2
页码：3941-3948
DOI：10.9756/INT-JECSE/V14I2.428
语种：English
出版社：International Journal of Early Childhood Special Education
摘要：In the present time, credit card payment has become a popular medium of payment for consumers. Various researchers have conducted studies emphasizing different dimensions such as awareness, acceptance, and usage behavior of credit cards. Credit card mode of payment allows their users to purchasethings based on the guarantee made by the holder of the card to pay for the same later. The issuer of the card creates a revolving account and provides a line of credit to the holder of the card by which the holder of the card borrows the money for payment to the merchant or cash advances to the user. There is a need by the banks to provide and make use of appropriate and sophisticated technology in order to prevent the misuse of credit cards and avoid fraud. Credit card usage varies from person to person. Therefore, this study has examined the factors that determine the usage of credit cards. A sample of 303 people was surveyed to know the factors that determine the credit card usage and the impact of these factors on usage in India.It is also found that there is a significant impact of the factors like wide acceptability, hassle free and convenience, social influences, 24X7 facility and Perceived Risk factors on credit card usage in India.
