FACTORS THAT AFFECT PEOPLE TO HAVE MORE THAN ONE CREDIT CARDS

Abstract

Credit card is only form of payment card that offers a revolving line of credit in addition to its function as a means of electronic payment. Currently, the number of credit cards in circulation in Indonesia is growing rapidly until it reached 14.7 million cards in 2011. This becomes higher since most of the credit card customers holding more than one card. As the number of credit cards in circulation rises, the problems also rise. Problems of credit card customers were diverse, ranging from billing to the difficulty when they want to stop being a customer. Although having many credits card increasing the probability problem, people still tend to have many. From those idea, author decide to do a research on what is actually affect people to have more than one credit card and avoiding the potential problem caused by that.

The research methodology that authors use is the quantitative method by collecting through surveys to 106 respondents in Jakarta and Bandung. By the research method above, authors find that factors that actually influence people to have more than one credit card are promotion program that bank offered, lifestyle, the easiness to not bring cash, and the easiness to use the credit cards. While factor that significantly affect the amount of credit card owned by people is only the easiness to use factor. By knowing these factors, banks as the “credit card seller” can make some innovative ways to attract people uses their credit card.

Chapter 1
Introduction

Human basic needs are food, shelter, and clothing. Many modern lists emphasize the minimum level of consumption of 'basic needs' of not just food, water, and shelter, but also sanitation, education, and healthcare. Along with the time goes by, people make shopping become much more interesting and recreational,