| Summary: | 碩士 === 南台科技大學 === 財務金融系 === 100 === In recent years, credit card use and ownership have expanded around the globe
substantially. With the benefit of credit card as a new innovation, credit card has become
a vital payment method for consumers all over the world and the number of credit card
usage has grown exponentially in both developed and developing countries (Scott,
2007). Credit card ownerships have increased considerably over the past decades, and
credit card service has become one of the most remunerative financial services (Kaynak
and Harcar, 2001; Goyal, 2006). In this study, the demographics and socio-economic
characteristics of the card holders; the consumer behavior and awareness of credit card
were investigated in Vietnam. The purpose of this study is to explore the relationship
between the demographics, socio-economic characteristics and credit card ownership
and usage. Moreover, the investigation of consumer behavior and awareness towards
credit card ownership and usage makes contribution to develop the credit card providers
or issuers in a more efficient and modern manner. Data for the study were collected
from 592 credit cardholders and 342 non-cardholders in Hanoi and Ho Chi Minh
cities – two of the largest cities in Vietnam. The Probit model and Ordered Probit model
were used in this study. It was found that the demographic and socio-economic
characteristics have significant impacts on the credit card ownership and usage. The
benefits of credit card were found to have positive significant impacts on the credit card
usage. In concern to the awareness, high debt ceiling, longer usage or more frequent
usage respondents are more likely to understand the credit card bill than the otherwise.
It was also found that the respondents who pay the full balance every month are inclined
to understand the credit card bill.
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