Cardholders' Attitude And Bank Credit Card Usage In Malaysia: An Exploratory Study
The study is aimed at validating attributes that influence the differences in attitudes among active and inactive cardholders. By focusing on relevant attributes that have been identified, it is believed that credit card issuing banks can position themselves effectively via their marketing strateg...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
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Asian Academy of Management (AAM)
2002
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| Subjects: | |
| Online Access: | http://eprints.usm.my/35600/ http://eprints.usm.my/35600/1/AAMJ_7-1-5.pdf |
| _version_ | 1848877666218803200 |
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| author | T. Ramayah, T. Ramayah Nasser Noor, Nasser Noor Mohd. Nasurdin, Aizzat Lim , Hee Choo |
| author_facet | T. Ramayah, T. Ramayah Nasser Noor, Nasser Noor Mohd. Nasurdin, Aizzat Lim , Hee Choo |
| author_sort | T. Ramayah, T. Ramayah |
| building | USM Institutional Repository |
| collection | Online Access |
| description | The study is aimed at validating attributes that influence the differences in attitudes among active
and inactive cardholders. By focusing on relevant attributes that have been identified, it is believed
that credit card issuing banks can position themselves effectively via their marketing strategies to
activate their existing cardholders' usage rate as well as to attract new active cardholders. Thirteen
important attributes were used to measure credit cardholders' attitude. These attributes include
acceptance level, credit limit, interest-free repayment period, annual fee, application approval
period, ancillary functions, handling of cardholders' complaints, issuing bank image, gift/bonus to
new applicants, card design, leaflet to describe the card,and advertising by the issuing bank.
Acceptance level, credit limit, interest free repayment period, ancillary functions, handling of
cardholders' complaints, bank image, and bank advertising were found to be the most important
attributes that influenced cardholders' attitudes in distinguishing active from inactive cardholders.
Based on the results of the study, several suggestions are forwarded to credit card issuing banks as
a step to stimulate credit cardholders' usage level. Among these are to work closer with various
retailers to promote the credit card payment mode, to provide adequate credit limit to cardholders,
to extend interest free repayment period from 20 days to 30 days, to implement strategic alliances
with firms involved in travelling, entertainment, insurance, and telecommunications and, to
advertise more so as to create a brand name for the issuing bank. |
| first_indexed | 2025-11-15T17:19:04Z |
| format | Article |
| id | usm-35600 |
| institution | Universiti Sains Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T17:19:04Z |
| publishDate | 2002 |
| publisher | Asian Academy of Management (AAM) |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | usm-356002017-07-13T07:54:56Z http://eprints.usm.my/35600/ Cardholders' Attitude And Bank Credit Card Usage In Malaysia: An Exploratory Study T. Ramayah, T. Ramayah Nasser Noor, Nasser Noor Mohd. Nasurdin, Aizzat Lim , Hee Choo HD28-70 Management. Industrial Management The study is aimed at validating attributes that influence the differences in attitudes among active and inactive cardholders. By focusing on relevant attributes that have been identified, it is believed that credit card issuing banks can position themselves effectively via their marketing strategies to activate their existing cardholders' usage rate as well as to attract new active cardholders. Thirteen important attributes were used to measure credit cardholders' attitude. These attributes include acceptance level, credit limit, interest-free repayment period, annual fee, application approval period, ancillary functions, handling of cardholders' complaints, issuing bank image, gift/bonus to new applicants, card design, leaflet to describe the card,and advertising by the issuing bank. Acceptance level, credit limit, interest free repayment period, ancillary functions, handling of cardholders' complaints, bank image, and bank advertising were found to be the most important attributes that influenced cardholders' attitudes in distinguishing active from inactive cardholders. Based on the results of the study, several suggestions are forwarded to credit card issuing banks as a step to stimulate credit cardholders' usage level. Among these are to work closer with various retailers to promote the credit card payment mode, to provide adequate credit limit to cardholders, to extend interest free repayment period from 20 days to 30 days, to implement strategic alliances with firms involved in travelling, entertainment, insurance, and telecommunications and, to advertise more so as to create a brand name for the issuing bank. Asian Academy of Management (AAM) 2002 Article PeerReviewed application/pdf en http://eprints.usm.my/35600/1/AAMJ_7-1-5.pdf T. Ramayah, T. Ramayah and Nasser Noor, Nasser Noor and Mohd. Nasurdin, Aizzat and Lim , Hee Choo (2002) Cardholders' Attitude And Bank Credit Card Usage In Malaysia: An Exploratory Study. Asian Academy of Management Journal (AAMJ), 7 (1). pp. 1-28. ISSN 1394-2603 http://web.usm.my/aamj/7.1.2002/AAMJ%207-1-5.pdf |
| spellingShingle | HD28-70 Management. Industrial Management T. Ramayah, T. Ramayah Nasser Noor, Nasser Noor Mohd. Nasurdin, Aizzat Lim , Hee Choo Cardholders' Attitude And Bank Credit Card Usage In Malaysia: An Exploratory Study |
| title | Cardholders' Attitude And Bank Credit Card Usage
In Malaysia: An Exploratory Study |
| title_full | Cardholders' Attitude And Bank Credit Card Usage
In Malaysia: An Exploratory Study |
| title_fullStr | Cardholders' Attitude And Bank Credit Card Usage
In Malaysia: An Exploratory Study |
| title_full_unstemmed | Cardholders' Attitude And Bank Credit Card Usage
In Malaysia: An Exploratory Study |
| title_short | Cardholders' Attitude And Bank Credit Card Usage
In Malaysia: An Exploratory Study |
| title_sort | cardholders' attitude and bank credit card usage
in malaysia: an exploratory study |
| topic | HD28-70 Management. Industrial Management |
| url | http://eprints.usm.my/35600/ http://eprints.usm.my/35600/ http://eprints.usm.my/35600/1/AAMJ_7-1-5.pdf |