College students' attitudes towards credit cards
JING J. XIAO,
FRANZISKA E. NORING,
JOAN G. ANDERSON,
Corresponding Author
JING J. XIAO
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, U.S.A.
Dr Jing J. Xiao, Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI 02881, U.S.A.Search for more papers by this authorFRANZISKA E. NORING
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, U.S.A.
Search for more papers by this authorJOAN G. ANDERSON
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, U.S.A.
Search for more papers by this authorJING J. XIAO,
FRANZISKA E. NORING,
JOAN G. ANDERSON,
Corresponding Author
JING J. XIAO
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, U.S.A.
Dr Jing J. Xiao, Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI 02881, U.S.A.Search for more papers by this authorFRANZISKA E. NORING
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, U.S.A.
Search for more papers by this authorJOAN G. ANDERSON
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, U.S.A.
Search for more papers by this authorFirst published: June 1995
Citations: 71
Abstract
Based on previous studies and using an approach of tripartite classification of attitude, an instrument measuring college students' attitudes toward credit was carefully constructed. Its reliability and validity were tested. Chi-square tests indicated that the factors associated with differences in attitude towards credit card use comprising three components - affective, cognitive and behavioural included gender, academic major, living arrangement, number of credit cards owned, number of all cards (store cards, phone cards, and petrol cards) owned, time of using credit cards, and cosignment status. Implications for consumer credit educators and practitioners were specified.
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