Effects of social demographic attributes, knowledge about credit cards and perceived lifestyle outcomes on credit card usage

Vathsala Wickramasinghe () and A. Gurugamage
Additional contact information
Vathsala Wickramasinghe: University of Moratuwa
A. Gurugamage: University of Moratuwa

Post-Print from HAL

Abstract: The aim of this paper is to identify and assess the effects of credit card users' demographic and socio-economic characteristics, knowledge about credit cards, perceived lifestyle outcomes of the credit card usage on credit card usage practices. A sample of 177 individuals in Sri Lanka who possess Visa, MasterCard or American Express credit cards responded to the survey. The hypothesised relationships were examined by means of path analysis. The findings offer implications for research and practice.

Keywords: financial risk perception; social demographic attributes; credit card knowledge; perceived lifestyle outcomes; credit card usage; Behavioural finance; credit utilization; consumer preferences; socioeconomic status; consumer behavior; purchasing behavior; attitude toward debt; financial decision making; education level; age and gender effects; income level; personal finance management; spending habits; financial literacy (search for similar items in EconPapers)
Date: 2012
Note: View the original document on HAL open archive server: https://hal.science/hal-05594595v1
References: Add references at CitEc
Citations:

Published in International Journal of Consumer Studies, 2012, 36, pp.80 - 89. ⟨10.1111/j.1470-6431.2010.00993.x⟩

Downloads: (external link)
https://hal.science/hal-05594595v1/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05594595

DOI: 10.1111/j.1470-6431.2010.00993.x

Access Statistics for this paper

More papers in Post-Print from HAL
Bibliographic data for series maintained by CCSD ().