Credit Card Use among Bangkok Cardholders: An Exploration into Credit Card Attitudes, Debt and Strategy Improvement

Abstract

The study of a sample of Bangkok credit cardholders found positive relationships between both debt and credit card holder attitudes towards the intention to use credit cards. Those who showed pro-debt attitudes used credit cards more frequently
and maintained some card debt. Females were indicated to show adverse perception to debt. The findings also detected credit card attitudes to be directly related to the likelihood of credit card use. Individuals who did not pay monthly balances in full, as well as those who had multiple cards, were shown to have more positive attitudes towards credit cards. Besides, education level and the length of working experience were shown to associate with the intention to use credit cards. Implications for credit card policies and marketing strategies are discussed.