APA (7th ed.) Citation

Syed Ahmad, S. S. (1998). Factors affecting credit card usage.

Chicago Style (17th ed.) Citation

Syed Ahmad, Syed Sharaff. Factors Affecting Credit Card Usage. 1998.

MLA (9th ed.) Citation

Syed Ahmad, Syed Sharaff. Factors Affecting Credit Card Usage. 1998.

Warning: These citations may not always be 100% accurate.