Exploring the factors influencing credit card spending behaviour among teachers at SMK Pendeta Za'ba Seremban / Norfatihah Kamarul Ariffin

Credit card becomes famously which is convenient form of payment and accepted everywhere. Its usage has become increasing recently. The most obvious one is that user can defer payment made. Besides, usage of credit among consumer is often irresponsible. They tend to overspend more than their affordability. Therefore it is time to look this matter. The aim of study is to explore the factors influencing credit card spending behaviour among school teachers. Besides that the objective research study is to determine variable credit card spending behaviour and the independent variables are demographic, bank's policies, benefits given by bank, qualifications to apply for credit card, attitudes toward money, willingness to pay and awareness about total debt owed. The survey was carried out at SMK Pendeta Za'ba, Seremban and a total of 80 teachers participated in this study.