Özet:

The determination of the factors that influence credit card spending in economic units is still a topic of current research. In the studies conducted, there have been psychological variables that affect periodic spending, as well as trust indicators, exchange rates, and consumer price indicators. Currently, the use of credit cards for individuals and is quite common. This study examined the linear and non-linear relationships between the real cutting trust index, the consumer trust index, the effective dollar rate and the consumer price index and the credit card spending amounts. The study used monthly data of the relevant variables during the 2014:01-2020:10 period, which also covers the COVID-19 pandemic period. The study analyzed linear relationships, distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation with the distribution of retardation. According to the analysis, the combination relationship between macroeconomic variables and credit card spending amounts has been identified but has been identified in short and long-term asymmetric relationships. The results also showed that during the COVID-19 pandemic period economic activities slowed significantly compared to other economic events and the recovery process lasted longer than the other times.

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