A Study on Credit Card Cognition and Use of College Students

대학생들의 신용카드 인식 및 사용에 관한 연구

This study has been peformed on the consumption tendency, and knowledge and cognition of credit cards among college students. A total of 327 subjects from the college students was surveyed in Pusan area. The major findings of this study were summerized as follows; First, the rate of credit card possession of the students was 19.6%. The card possession showed significantly different in age, personal expense, income. Second, the level of knowledge of the credit card was low(23.1 points). Also, the level of knowledge was significantly different in sex, age, major, personal expense, income and credit card ownership. Third, the cognition of credit cards was medium(51.3 points). The cognition of the credit cards was significantly different only in the card possession. Fourth, the behavior of credit card was not significantly different in the group. Fifth, there were significant relationships between the knowlege and cognition. This result implied that the group with higer levels of knowlege tended to show more favor of credit cards. For the rational consumption of the college students, the students need to be educated about advantage and disadvantages of the credit cards.