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申順圭,金玟廷 啓明大學校 生活科學硏究所 1994 科學論集 Vol.20 No.-
The credit card, so called "the third currency", showed up as the new consumption pattern are increased rapidly. The whole problems of credit card of consumer damages is increasing because of recognitive lack on the credit card law of consumers In that credit card problem influenced directly consumer's economy, this study was attempted to investigate empirically consumer problem experiences according to credit card use consumer science. The concrete purpose of this study are as follows. ; 1) What extent is problem experience degree of credit card user? 2) According to socio-economic variables, demographic variables, purchase pattern, and consumer knowledge of credit card system, what differences are problem experience degree of credit card user? 3) What extent are the relative influences of variables affected credit card user's problem experience degree? The subjects of this study are restricted to the salaried men and women. By ?? program, the 328 data obtained were analyzed by frequency, mean, ANOVA, Multiple Regression Analysis and Duncan's multiple range test. The major findings of this study are summarized as follows ; 1) The problem experience degrees of credit card user were average 10.1, it was low but the majority of consumer had been experienced more than one problem. 2) The problem experience degree showed significant differences among the user groups, according to sex, age, income, monthly usage frequency of cards, consumer knowledge of credit card system. 3) The variables influenced on problem experience degree were possessive card quantities and sex. As possesive card quantities were more, and man than woman, showed higher problem experience degree.