Understanding the needs and factors that influencing credit card usage: from perspectives of STIDC'S headquarters / Kalsom Yakup

The purpose of this study was to investigate the factors that influence the use of credit cards among STI DC’s staffs in the Headquarters Office, Kuching. The types of purchase made using credit cards were also identified. The samples consisted of 120 credit cardholders from STIDC’s Headquarters’ staffs. The findings of the study revealed that 50 % of respondents indicated that sometimes they made purchase using credit card for their Living Expenses. In addition, 57.8 % agreed that it is necessary to have credit card with you when you travel.