Preference & Usage of Credit Cards: A Study of Ahmedabad City
Journal Title: PARIPEX-Indian Journal of Research - Year 2016, Vol 5, Issue 7
Abstract
Credit Card industry has been growing steadily over the past few years. Card transactions are on an upward trajectory with credit card payments growing at a CAGR of 21.3 per cent (The Hindu, 29th October 2015). A Credit card today not only provides shopping convenience and safety, but also offers privileges like discount coupons, invitations to events, bonus points, cash-back and even a free insurance. To understand the preference & extent of usage of credit cards by card holders, the researcher carried out a study of 150 respondents of Ahmedabad city. The study also attempts to find out the most preferred card issuing bank & the purpose for which credit cards are used. The paper then examines the factors in favour of using credit cards & reasons for not using the same.To sum up, the researcher observed that the industry has been growing steadily over the past few years. With payments going digital and the focus on financial inclusion, one can expect much in the coming years.
Authors and Affiliations
Dr. Sneha Shukla
Keywords
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