This study examined graduate international students'
knowledge, attitudes, experiences, practices, and
satisfaction relating to credit cards. Based on the
literature, international students attending U.S. colleges
and universities were considered an important population to
study because of: (1) internationalization of credit cards
and (2) the lack of credit card research on this group.
The sample was selected from graduate international
students attending Colorado State University. A
questionnaire was mailed to 623 students during Summer,
1992. Completed questionnaires were returned by 261
students (46.2 percent response rate). Data were analyzed
using descriptive statistics, cross-tabulations, correlation
analyses, and canonical correlation analyses.
Findings showed that respondents' credit card knowledge
was low, attitudes were favorable, and pre-U.S. experiences
limited. Since living in the U.S., respondents had become
regular users with a mean of 3.3 cards and a majority
charging more than $200 per month. They followed commonly
recommended practices, and eight of ten were satisfied with
their credit card use. Several statistically significant
relationships were found among the credit card variables,
and between these variables and socio-demographic
characteristics such as country of origin and length of U.S.
residency. A conceptual model was also tested, showing that
experiences influenced practices, which in turn influenced
satisfaction.
Implications and research recommendations were
developed for international students, credit card issuers,
providers of credit card education, and researchers. Based
on credit card needs of international students, card
qualifications and education programs should be developed
and evaluated. / Graduation date: 1993 / Figures in original document are black and white photocopies. Best scan available.
| Identifer | oai:union.ndltd.org:ORGSU/oai:ir.library.oregonstate.edu:1957/35945 |
| Date | 08 December 1992 |
| Creators | Punjavat, Tapin |
| Contributors | Olson, Geraldine I. |
| Source Sets | Oregon State University |
| Language | en_US |
| Detected Language | English |
| Type | Thesis/Dissertation |
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