Influence of credit cards on consumer buying behaviour

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dc.contributor.authorInfluence of credit cards on consumer buying behaviour
dc.contributor.authorDISHA SARVESH VERLEKAR
dc.contributor.authorDOLIDA GOMINDES
dc.contributor.authorHAYREL FERNANDES
dc.contributor.authorISHA SIMOES
dc.date.accessioned2026-05-09T05:37:50Z
dc.date.available2026-05-09T05:37:50Z
dc.date.issued2026
dc.description.abstractThe present study examines impulsive buying behaviour among credit cardholders and analyses the influence of financial literacy and awareness of credit card terms and conditions on consumer spending patterns. The research was conducted in select villages of South Goa, including Betul, Velim, Margao, Navelim and Sao Jose de Areal, during November and December 2025. Primary data was collected through a structured questionnaire administered both online and in printed form, yielding 103 responses, of which 68 were credit card users. Secondary data from journals and websites supported the literature review. The findings indicate moderate credit card adoption, with most users owning a single card and using it primarily for online shopping, bill payments, and emergencies. Although usage frequency is generally low, discounts and cashback offer significantly influence spending and may trigger impulsive purchases. While a section of users exceed their monthly budgets and experience post-purchase regret, overall compulsive buying behaviour is not dominant. The study further reveals a relatively high level of financial literacy and responsible credit management among respondents, reflecting awareness and disciplined usage of credit cards.
dc.identifier.urihttp://rcca.ndl.gov.in/handle/123456789/597
dc.language.isoen
dc.publisherASST. PROF. SHELLEY MENDES
dc.titleInfluence of credit cards on consumer buying behaviour
dc.typeOther
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Bachelor of Commerce