Abstract

Author:
Arvee I. Ambal

Doi: 10.26480/jtwe.01.2025.19.25

This is an open access article distributed under the Creative Commons Attribution License CC BY 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited

The aim of this paper is to ascertain the credit card usage behavior of cardholders in San Pablo City, Laguna. Regardless of their age, sex, marital status, level of education, employment status, or monthly income, 275 individuals participated in this survey. For the descriptive problems, the frequency, percentage, mean, and standard deviation were the statistical techniques that were employed. The inferential issues were addressed using Kruskal Wallis H-test. A verified and researcher-made questionnaire was used to gather data, and the results showed that cardholders in San Pablo City, Laguna, similarly exhibited high levels of consumer behavior. Cardholders’ behaviors and attitudes on money were significantly correlated. The Management Office of Banks and other Financial Institutions needs to use these data to create initiatives that will improve consumer behavior when it comes to using credit cards. The knowledge to effectively serve customers and assist them in making educated financial decisions is concluded by this study.