Özet:

This study consists an empiric investigation on credit card, which is an effective personal financing instrument. We aim to find out some of socio-economic structures, credit card use status and card usage trend of banking and finance students', located in Görele Applied School of Giresun University. The research findings showed that %46.1 of the students use credit card and the majority of the students (71%) have a single credit card. In this study, we applied factor analyses to our data. The opinions of students on credit card usage were interpreted by factor analyses which started with 13 variables and clustered under 3 (emotional dimension, behavioral dimension, confidence dimension) factors with 8 variables. The factor analysis result showed that there were 3 factors explaining 80.79% of the total variance in the questionnaire.

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