ATTRIBUTES OF ACADEMICIANS' CREDIT CARD USAGE BEHAVIORS IN MALAYSIA

In line with the advance in technology and the increasing demands for better services, the market for credit card has shown tremendous growth performance,. The genuine usage of credit card in the form of convenience has diverged to associate with overspending, irresponsibility, revolving liability and bankruptcy. This infers that the possession of credit cards has brought upon a change in consumers’ usage behaviors. Thus, this study aims to determine the academicians’ credit card usage behaviors in a private tertiary institution in Malaysia. The dependent variable is usage behavior and the independent variables that serve as attributes are personal attitude, spending and repayment patterns. Meanwhile, the moderating variable in this study is gender. Data obtained via questionnaire were keyed into Statistical Packages for Social Science (SPSS) version 22.0 to generate descriptive statistics such as the demographic profile of respondents and inferential analysis such as independent sample t-test, Pearson correlation and reliability test. The finding revealed that repayment patterns are the most significant attribute of academicians’ credit card usage behaviors. On the other hand, there are no differences in credit card usage behavior between male and female academicians. Outcome from this study enable the government and credit card companies to relook on the requirement of granting credit card by taking into consideration of the holder’s repayment ability. This enables to produce a financially healthier and educated society and also to reach to the younger generations’ positively through the influence of the academicians.