College students' attitudes towards credit cards

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Abstract
Based on previous studies and using an approach of tripartite classification of attitude, an instrument measuring college students' attitudes toward credit was carefully constructed. Its reliability and validity were tested. Chi‐square tests indicated that the factors associated with differences in attitude towards credit card use comprising three components ‐ affective, cognitive and behavioural included gender, academic major, living arrangement, number of credit cards owned, number of all cards (store cards, phone cards, and petrol cards) owned, time of using credit cards, and cosignment status. Implications for consumer credit educators and practitioners were specified.