Credit card practices: knowledge, attitude and debt management

2) to examine whether the perceptions or attitudes on credit cards can affect its usageand 3) to study the relationship between credit card debt management and credit card practices. Survey questionnaires were distributed and completed by a convenience sample of 100 postgraduate students at Universiti Putra Malaysia. After applying a chi-square test analysis, the results indicated three factorsknowledge of credit card usage, perceptions or attitudes of credit card usage, and credit card debt management have contributed as key determinants of the credit card practices and financial decisions among post-graduate students. The findings can assist the government in identifying suitable measures to reduce irresponsible credit card practices, especially amongst youngsters. It also offers practical information for administrators and counsellors to address the challenges faced by students of higher learning institutions