Arti Kundan
Purpose: Credit card that permits the holder to borrow money or to purchase goods without paying for them directly with the help of smart card.The purpose of this study is to emphasis on various factors influencing credit card usage. This research examines the factors that impact the utilization of credit cards among banking customers .Therefore, the present study aims to explore a set of factors affecting the acceptance of Credit cards among customers in Jammu region. Design/Methodology/Approach: The study based on the empirical outcomes of a customer survey through the procedure of a structured questionnaire was administered on a sample of respondents 630 based on convenience sampling technique. Findings: This paper examined the various dimensions such as special benefits, sense of security, convenience, perceived risk, debt owed, perceived usefulness and flexibility that influence the utilization of credit cards particularly for the banking sector in Jammu region. Practical Implications: This research paper provides an in-depth understanding on the factors affecting the usage of Credit cards which could be used by banking sectors of Jammu region where the credit card usage is widespread phenomenon. The study could also help the banking industry to understand their target customers, their preferences and the effect of their policies on credit card application and use. Originality/Value: This study throws light on the credit card usage, particularly in Jammu region in context of banking industry. Therefore, it would work as a roadmap for banking executives, marketing managers and policy makers to craft appealing marketing strategies to better promote the utilization of Credit cards.