Credit cards : understanding international graduate student consumers Public Deposited

http://ir.library.oregonstate.edu/concern/graduate_thesis_or_dissertations/rj4306768

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  • 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.
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  • File scanned at 300 ppi (Monochrome, 8-bit Grayscale) using ScandAll PRO 1.8.1 on a Fi-6770A in PDF format. CVista PdfCompressor 4.0 was used for pdf compression and textual OCR.
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