1. Behavior of Users of
Credit cards

2. Introduction
• Today almost all banks have issued credit
cards to the needy people.
• The growth of credit cards in India has been
predominant in the last 5 years.
• Not only credit cards but also other innovative
products like charge cards, debit cards etc. are
catching up fast.

3. CREDIT CARDS
• Credit card are termed as ‘Convenient money’
and ‘Plastic money’.
• Can purchase by presenting the card in lieu of
cash.
• It’s a form of consumer loan.

4. Origin and growth
• Credit cards are first developed in the USA.
• In India foreign banks and organizations
forayed in to the credit card market.
• Andhra bank was the first to introduce the
credit cards in Indian market in 1981.
• At about the same time, Central Bank of India
also entered the credit card business in India

5. • Nearly 100 million consumers use one or more
credit card in the normal transactions.
• There are 2to3 million card holders, each
possessing an average of two cards.

6. OBJECTIVES
• To analyze the awareness about the credit
cards
• To find out the satisfaction level of customers.
• To find out the main problems faced.

7. Data analysis
Age and no of card users
60
50
40
30
20
10
0
20-25 26-30 31-35

8. Sex and % of credit card usage
Male Female
47%
53%

9. Occupation and % of credit card users
Govt.employees Private employees business man Professionals others
4%
13%
10%
18%
55%

10. Level of income and usage of credit cards
50
45
40
35
30
25
20
15
10
5
0
below 10000 1001-15000 15001-20000 above 20000
Income level

11. frequency of purchase through credit card
frequntly
27%
in emergencies
34%
once in 3 month
39%

12. Safety in carrying credit cards
not preferred
23%
preferred
77%

13. Findings
• Middle aged people are using credit are more
than others.
• Males customers are more than females.
• 34% of them used in case of emergency
• 77% agreed that purchase through credit card
is safe.

14. Conclusion
• During the last decade, there has been an
exponential growth in the issue and usage of
credit card.
• The availability of ATM & customer care
service is treated as the most important
parameter while availing credit card