Usage patterns and perception on the credit card among civil servants / Temah Ibrahim

In today’s world, the credit card has become a practical and natural way of purchasing goods and services. For many consumers, the usage of credit card had become popular as a convenient way to do purchasing mainly for two reasons. Firstly, the consumer do not need to bring cash and allow them to buy things and services in case of emergency and secondly, some consumer feels that by having cash it will expose them to the risk of being easily robbed and therefore it is safer to use non cash transaction.