THE ATTITUDES TOWARDS CREDITCARD USAGE: THE CASE OFESKISEHIR OSMANGAZI UNIVERSITYECONOMIC AND ADMINISTRATIVE SCIENCES FACULTYSTUDENTS

This study aims to determine the dimensions of economic and administrative sciences students’attitudes towards credit card usage and to expose the differences between these dimensions in respect for their various demographic features. It is clear that such as studies helping to determine expending and in payment patterns, can also obtain useful data for financial firms to develop their credit cardservices, to form their marketing and promoting strategies and, for the firms accepting credit cards as a payment instrument to prepare their sales and cash flows. 210 students from Eskisehir Osmangazi University taking management and finance courses in the summer term have completed a credit card usage questionnaire. In factor analysis of 16 items formed for measuring the attitudes towards credit card usage, 5 distinguishing dimensions (behavioural, affective, cognitive, anxiety, security) have extracted. Differences of these dimensions according to their demographic features have been analyzed with the help of independent samples t test and ANOVA. These analyses have shown that in affective and security dimensions, the differences between the ones using credit cards and using no credit cards were significant and students with low incomes display less anxious attitudes in using credit cards.