대학생의 신용카드 사용에 관한 연구

Credit Card Use of University Students

The purpose of this study was to find the problems from credit card use of university students. The questionnaire survey was conducted during 2001. 7. 4~6, and 200 university students who had credit card and who had not credit card were selected. The main results were as follows: 1) There was a few differences of knowledge of credit card agreement between university students who had credit card and had not credit card. This result imply that credit card seller should notice important agreement items to consumers. 2) There was a rather negative recognition toward credit card has the function of people's identity. This result imply it is too easy to get a credit card in this society. 3) Most university students had credit cards by credit card salesmen on the street or bank, not they really want to have credit card. And they use seldom credit card. 4) Twenty percent of respondents had experience of arrear because of lack of money. This result imply that university student consumers should get consumer education, especially how to use credit card.