In recent years, much has been written about credit card usage among university students. Despite a vast number of studies, little has been written about credit card usage among university students in developing countries. This research surveyed university students in Turkey in an attempt to understand their uses of credit cards. In particular, we examined the impact of gender on credit card use. The literature on the impact of gender on credit card usage is a bit unsettled and this study seeks to add another dimension to the research in this area. Using both parametric and nonparametric measures, we sought to isolate gender and tested whether or not it affects the ways that young people in Turkey use credit cards. The importance of this research centres on the portrait it provides of credit card usage among young people in a developing country as well as to pointing the factors that may influence future credit card use.
Key words: Credit card usage, effects of gender, university students, hypothesis testing, parametric and nonparametric measures, Turkey.
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