• Dr. Vanitha Esaimani

It is an obvious fact that today people are using more ‘plastic money’ as compared to ‘carrying cash’. This ‘plastic money’ is available in the form of credit cards (and debit cards too). The main advantage of ‘plastic money’ is its easy availability, convenience and with increasing disposable income of people, the demand for the same has grown significantly. Credit cards are now used by all people irrespective of their occupation business or service. ‘Understanding the usage pattern of credit cards by working women in Mumbai’ is the topic of interest to this research paper. The demographic factors play a prominent role here as the use of credit cards is dependent on them. Some of these factors are age, education, occupation, monthly income and so on. For this research study, 105 sample respondents were chosen from selected area in Mumbai suburbs. All the respondents are between the age group from 18 years to 60 years. For the primary data researcher has used the questionnaire. Author has also formulated few hypotheses and used Chi Square test, to test them. It is concluded that demographic factors have influence on use of credit cards by working women.

Credit Card usage, Working Women, Plastic Money, Credit and Debit Cards

"A study on factors behind use of credit cards among working women in Mumbai", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.960-975, June-2019, Available :http://www.jetir.org/papers/JETIR1908744.pdf

"A study on factors behind use of credit cards among working women in Mumbai", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp960-975, June-2019, Available at : http://www.jetir.org/papers/JETIR1908744.pdf