Impulsive Buying, Post-purchase Regret, and Credit Card

Abstract

Impulsive buying is an unplanned purchase and is coloured by a strong urge that is difficult to resist buying suddenly. It is usually triggered by external conditions when dealing with products, accompanied by the arising of pleasant and passionate feelings with the consequences of anxiety, regret, and sometimes debt as well. It is suspected that it has something to do with the use of credit cards. This study was conducted in 249 early adult women aged between 18 and 22 years. The research method used is a quantitative survey with convenient sampling. A linear regression test is used for data analysis. The results showed a relationship between the three variables, in a positive direction. The higher the tendency to use credit cards, the higher the impulsive buying, and the higher the post-purchase regret that results. The practical implication of this research is the importance of discount as a promotional tool, in addition to the product's appearance and store atmosphere. Credit cards are one of the functional strategies that offer practicality, convenience, and safety for consumers. Although the use of credit cards facilitates the payment process, consumers should be wiser in using them, given the possibility of increased impulsive buying and post-purchase regret that can arise.