IDEAS home Printed from
   My bibliography  Save this article

The Attitudes Towards Creditcard Usage: The Case Ofeskisehir Osmangazi Universityeconomic And Administrative Sciences Facultystudents


  • Nuray Girginer
  • Arzum E.Celik
  • Nurullah Uckun

    () (Eskisehir Osmangazi University)


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.

Suggested Citation

  • Nuray Girginer & Arzum E.Celik & Nurullah Uckun, 2008. "The Attitudes Towards Creditcard Usage: The Case Ofeskisehir Osmangazi Universityeconomic And Administrative Sciences Facultystudents," Anadolu University Journal of Social Sciences, Anadolu University, vol. 8(1), pages 193-208, June.
  • Handle: RePEc:and:journl:v:8:y:2008:i:1:p:193-208

    Download full text from publisher

    File URL:
    Download Restriction: no

    References listed on IDEAS

    1. Sharma, Arun & Stafford, Thomas F., 2000. "The Effect of Retail Atmospherics on Customers' Perceptions of Salespeople and Customer Persuasion:: An Empirical Investigation," Journal of Business Research, Elsevier, vol. 49(2), pages 183-191, August.
    2. David R. Bell & James M. Lattin, 1998. "Shopping Behavior and Consumer Preference for Store Price Format: Why “Large Basket” Shoppers Prefer EDLP," Marketing Science, INFORMS, pages 66-88.
    3. Belk, Russell W, 1975. " Situational Variables and Consumer Behavior," Journal of Consumer Research, Oxford University Press, vol. 2(3), pages 157-164, December.
    Full references (including those not matched with items on IDEAS)

    More about this item


    Credit card usage; credit card attitudes scale; factor analysis; university students; Turkey;

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • C40 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - General


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:and:journl:v:8:y:2008:i:1:p:193-208. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Social Sciences Institute). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.