Credit card usage behaviour among teachers in the state of Perlis, Malaysia

Credit card debt is an area of concern in Malaysia. Statistics from the Ministry of Education reports that credit card usage among teachers is disproportionately high in Malaysia when compared to other professions. To be able to further understand this situation, this study focused in the teachers in Perlis. The measures for the study were Bank Policy, Credit Card Benefits and User Attributes as the independent variables and credit card usage as the dependent variable. The outcome of the study enabled a better understanding of the reasons for the high usage of credit card by teachers. The findings indicate that credit card benefits have a significant positive relationship on Credit Card Usage. The other two variables (Bank Policy, User Attributes) did not have a significant influence on credit card usage among teachers