期刊名称：International Journal of Computing and Business Research
电子版ISSN：2229-6166
出版年度：2013
卷号：4
期号：3
出版社：International Journal of Computing and Business Research
摘要：The present paper is part of the doctoral thesis by the researcher. In this paper the researcher attempted at empirical investigation of how credit card consumers respond to, and reveal their attitudes towards credit cards. The objectives of this study are threefold: To understand the usage patterns of credit cards by the consumers; To identify the grievances that the credit card holders face while using the credit cards; and, To study if the card issuers make any efforts to remove these grievances. The stratified random sampling technique was used to determine the size of sample. The sample size was 165. In the absence of secondary data, a questionnaire was administered to the respondents and primary data was collected. Likert Scale was used for this purpose. The attitudinal statements were created, and the instrument was tested for its validity and reliability. Chi Square test was conducted and the results were found to be statistically significant. Consumers appeared to be generally satisfied with the use of their credit cards even though they have different views regarding other users. Certain practices by the credit card issuer companies are negatively viewed by the consumers. On the whole, credit card users appeared to believe that credit cards are useful, and that consumers are better off with credit cards than without them
