Date of Award:

5-1993

Document Type:

Thesis

Degree Name:

Master of Science (MS)

Department:

Human Development and Family Studies

Department name when degree awarded

Human Environments

Committee Chair(s)

Jean M. Lown

Committee

Jean M. Lown

Committee

Cathy L. Hartman

Committee

Elizabeth Gorham

Abstract

This study was conducted to determine the relationship between the characteristics of credit card holders and the extent of credit card usage, the level of credit card knowledge, and the consumer's choice perspectives. The characteristics of credit card holders studied were (a) gender, (b) age, (c) marital status, (d) education, (e) income, and (f) occupation.

Data for this study were collected in Bangkok, Thailand by telephone interviews during July - August 1993. The sample consisted of 150 Bangkok Bank credit card holders. Chi-square and Cramer's V were used to analyze the hypotheses. For all statistical analyses the level of significance was set at .05.

As a result of the 18 specific null hypothesis tests, only two independent variables were found to have a statistically significant relationship with the extent of credit card usage. The findings suggested a positive relationship between the extent of credit card usage and occupation and income. Respondents with higher occupational status and income tended to use credit cards to a greater extent than those with lower occupational status and income. Gender, age, marital status, and education were not related to the extent of credit card usage in this study.

No significant differences were found among the demographic characteristics of credit card holders and the level of credit card knowledge, and consumer's choice perspectives. Gender, age, marital status, education, occupation, and income were not related to the level of credit card knowledge and the consumer's choice.

The results revealed that most Thai credit card holders were not knowledgeable about credit card terms. They were clearly influenced by environmental stimuli, and the effects of society and group norms when they applied for a credit card. They generally chose a card with incomplete information about the alternatives.

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