UM employees credit card usage behavior

Abstract

The main purpose of this study was to determine the significant difference in the level of credit card usage behavior among the UM employees when analyzed according to respondent’s profile. This study made use of descriptive-survey method and the data were gathered through the use of the validated questionnaire. In the data analysis, the Mean, T-test and analysis of variance were statistical tools. Results revealed that there is no significant difference in level of credit card usage behavior among UM employees when analyzed according to respondent’s profile. The result suggested that UM employees should consider weighing the consequences of credit and to focus only on spending for their necessity.