Abstract:

Credit card use continues to spread rapidly today. Every year, many consumers are unable to pay their credit card debt and most individuals spend almost all of their profits on paying their credit card debt, so the difficulties are very serious. The ease of access to credit cards and the increase in promotions that attract individuals to use credit cards also trigger the unconscious, unknown to manage their budget, i.e. in financial matters, consumers are suffering from card debts. This situation directly causes serious damage to both the household and the country’s economy. When all of these circumstances are taken into account, the need to take measures regarding the use of credit card is clearly clear. Unconscious use of credit cards has become a problem for developing countries as well as for developed countries. In this context, the financial training that individuals will receive should be increased by providing more conscious consumers to the society. Because in financial matters, individuals who know how to manage their budgets, savings and savings are observed to be more careful about this. The purpose of the study in the scan model is to study the relationship of the attitudes of university students in the use of credit cards with demographic variables. Students studying the university of research in the faculties of economic and administrative sciences of the universities; their sample is made up of 300 students who are studying at Hacettepe University and Bilecik Sheikh Edebali University. When the researchers were asked what their personal financial preferences were, the study found that students preferred mainly to use credit cards, and 62.3% of the researchers said they were actively using credit cards.

Keywords:

Abstract:

The use of credit cards is increasing rapidly today. Many consumer credit cards can not pay debts every year. In addition, most individuals allocate almost all of their earnings to paying credit card debt. As a result, problems are increasing. It has become easier to have a credit card, and promotions have been increased to encourage individuals to use credit cards. As a result, uninformed consumers who do not manage their budget (ie insufficient financial issues) suffer from card debt.  This situation directly harms the household and the economy of the country. Considering all these situations, it is clear that measures are needed to use credit cards.  The use of unconscious credit cards has become a problem for developing countries as well as developing countries. Regarding this situation, it is necessary to increase the financial educations of the individuals and to make more conscious consumers acquire the society. Because it is observed that individuals who are knowledgeable in financial matters, who know how to manage their budget, saving are behaving more carefully in this respect.  The purpose of the study conducted in the screening model is to investigate the relationship between university students' attitudes towards credit card use and demographic variables. The population of the research consists of the students in the faculty of economics and administrative sciences in Hacettepe University and Bilecik Şeyh Edebali University. Randomly chosen sample includes 300 students of the faculties.   Participants were asked what their personal finance preferences are. Participants were predominantly preferred to use credit cards, and 62.3% of respondents said they were actively using credit cards.  Key Words: Credit card, debt, consumer, savings.