Bibliographic citations
Alarcon, J., (2024). Factores influyentes del uso excesivo de la tarjeta de crédito en consumidores de Chiclayo, 2023 [Universidad Católica Santo Toribio de Mogrovejo]. http://hdl.handle.net/20.500.12423/7665
Alarcon, J., Factores influyentes del uso excesivo de la tarjeta de crédito en consumidores de Chiclayo, 2023 []. PE: Universidad Católica Santo Toribio de Mogrovejo; 2024. http://hdl.handle.net/20.500.12423/7665
@mastersthesis{renati/1106753,
title = "Factores influyentes del uso excesivo de la tarjeta de crédito en consumidores de Chiclayo, 2023",
author = "Alarcon Rojas, Joselito",
publisher = "Universidad Católica Santo Toribio de Mogrovejo",
year = "2024"
}
The credit card has become an important tool for the acquisition of goods and services worldwide, generating benefits such as access to immediate cash or payments through financing, but it can also cause financial problems if it is used excessively. For this reason, the present investigation determined the influencing factors of the excessive use of credit cards among consumers in Chiclayo, 2023. It was a quantitative approach of basic type, explanatory level, non-experimental and cross-sectional design. The sample comprised 385 consumers in Chiclayo who use at least one credit card, ranging in age from 18 to 70 years, using the survey technique and the questionnaire developed by Zainudin et al. (2019) as an instrument. The results indicate that the credit attitudes, knowledge, materialism, social norms and self-efficacy have a considerable influence on the excessive use of credit cards, with materialism and social norms being the most relevant, demonstrating that the excessive use of credit cards among consumers in Chiclayo is driven by the desire and satisfaction of obtaining material possessions to show off to society, in addition to social behaviors that are established by the social circle and friends. In brief, consumers who have better credit behaviors and more knowledge will effectively manage the use of credit cards.
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