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This study aims to identify the precedents of compulsively using a credit card, analyzing the influence of the following factors: power–prestige, anxiety, distrust and materialism.

Data collection was performed by the survey method, while the structural equation modeling technique was used for data analysis, adopting the confirmatory factor analysis and path analysis.

The impact that anxiety has on compulsive use of credit cards was confirmed. Furthermore, the influence of materialism present in an individual on the compulsive use of a credit card was also proven.

As a limitation, the power–prestige construction did not obtain satisfactory average variance extracted in the modeling. Other limitations can be pointed out; for instance, it was a sample composed of university students and with geographic restrictions.

This study highlights the importance of promoting public policies oriented toward the conscious use of credit cards. Interference in the approach of financial institutions aimed at attracting new clients in universities is also necessary.

This study aggregates information about the buying behavior of university students, how the precedents affect credit card use behavior and the harmful effects of compulsive use of credit cards.

The originality of this study is in offering a new approach to credit cards by analyzing their usage behavior, more specifically, the compulsive use of credit cards.

Buying behavior has been significantly altered by technological developments as a result of the rise of the Internet. Online buying behavior is also inextricably linked to electronic payment systems, such as credit cards. This paper investigates how credit-card systems and online shopping increases compulsive buying of female and male consumers.

In the current study, the authors tested the influence of credit card possession and the role of Internet shopping on gender differences in compulsive buying in a representative German sample (n = 1,038). Binary logistic regression analysis and moderator analysis were applied.

As predicted, Internet shopping increased compulsive buying, but the association was the same for females and males. Further, credit card possession moderated the effect of gender on compulsive buying, with females showing a higher proneness to compulsive buying.

This research, which is based on a representative population study, contributes to the understanding of the role of credit cards and the one of online shopping in developing compulsive buying patterns among female and male consumers.

The purpose of this paper is to investigate money attitudes and credit card usage, between compulsive and non‐compulsive buyers, of young Australians. It also serves to validate the money attitude scale (MAS) using an Australian sample.

Data were collected using a mall intercept method in a major shopping complex in Perth, Western Australia. A self‐administered questionnaire was distributed and recorded a response rate of 18 per cent.

Compulsive buyers are more likely to perceive money as a source of power and prestige. They are also more frequent users of credit cards and are more likely to bargain hunt. There are no differences between compulsive and non‐compulsive buyers for the dimensions of time retention, distrust, and anxiety of the MAS.

The study has only captured young adult Australians and should not be generalized across other demographics and national consumers. Studies on compulsive behaviour of online shopping and a comparison between fashion and non‐fashion related variables could also be explored.

Firms should consider using advertising campaigns that portray images of status and prestige in order to appeal to young adults. They could utilize aggressive in‐store promotion and selling techniques and highlight the discount or best buy slogans. For the credit card companies and banks, word‐of‐mouth through family and friends are better promotional tools to attract users. Marketers and policy makers are recommended to incorporate consumer education programs for young adults to build skills to counter financial problems.

This is the first Australian study that examined money attitudes, credit card usage and compulsive behaviour. Further the MAS scale is validated with the addition of the “bargain hunting” variable.

The purpose of this study is to assess the moderating and mediating roles of credit card usage in the relationship between money attitudes (i.e. power-prestige, retention-time, distrust and anxiety) and compulsive buying behaviour.

The research design comprised a cross-sectional survey and two focus-group interviews. A structured questionnaire was completed by 365 young credit card users in São Paulo in Brazil, and two focus group discussions were conducted comprising six participants each.

Results showed that misuse of credit cards significantly increased compulsive buying among individuals with high levels of anxiety. Credit card usage partially mediates the relationship between compulsive buying and three variables established in the literature: power-prestige, retention-time and anxiety. Credit card usage did not significantly mediate the effect of distrust (or price sensitivity) on compulsive buying behaviour. Respondents’ price sensitivity did not by itself reduce levels of usage, though it did have an effect on overspending in conjunction with the other factors studied. The key themes that emerged from the focus-group interviews enhanced the survey’s results with greater in-depth understanding.

This study was the first to compare the moderating and mediating effects among the four elements of money attitudes and compulsive buying behaviour. It addresses the issue of financial literacy, money management and overspending – a special concern for today’s emerging economies – in a Brazil, Russia, India and China (BRIC) country.

As an effort to identify the underlying determinants of compulsive buying, this study seeks to examine fashion orientation, a fashion‐related variable, as a direct antecedent of compulsive buying and as an indirect antecedent of compulsive buying through credit card use.

Using a convenient sampling method, women aged over 20 years living in the Seoul metropolitan area were selected as the sample. Out of 380 distributed, 267 useful questionnaires were returned. Confirmatory factor analysis and path analysis were conducted using structural equation modeling.

The results of this study showed that fashion interest significantly influenced compulsive buying directly and also indirectly by influencing credit card use.

This study has significance in terms of being the first one to explore the relationship between fashion orientation variables and compulsive buying, offering a new perspective on compulsive buying.

College students often embrace credit card use and do not always consider the potential risks of incurring debt from irresponsible credit card use. This paper aims to focus on this issue.

College students (n=301) were surveyed and reported their disposable income and employment status. Outcome variables were attitudes toward irresponsible credit card use, compulsive buying, money anxiety, and money price sensitivity.

It is found that an incremental pattern of greater levels of disposable income and employment was associated with greater credit card use irresponsibility. Greater levels of disposable income were associated with greater levels of compulsive buying and money anxiety. Part‐time employment was associated with the greatest level of money price sensitivity.

The paper shows that college students should seek information about, or counseling for, the responsibilities associated with credit card use and proper handling of personal finances.

The purpose of this study is to re-examine the characteristics of compulsive buying behaviour (CBB) based on a new improved screener. The study analyses young compulsive buyer attitudes, decision-making, product preferences, the impact of credit card use and post-purchase perspectives in relation to CBB severity.

The study takes a quantitative approach to the analysis of compulsive behaviour among young consumers, using data from a questionnaire survey and a large sample. A wide range of statistical procedures and structural equation modelling are used in the analysis.

The segmentation of compulsive buyers, on the basis of disorder severity, provides important insights into the asymmetrical between-group variation in anxiety levels, product preferences, feelings, attitudes and credit card impact and the within-group variability in daily compulsivity patterns and associated shopping behaviour.

Although the overall used sample size is large, the subdivision of compulsive consumers into mild and severe categories resulted in a relatively small group of severely compulsive buyers; hence, further research is recommended to corroborate the findings from this study. In addition, this research does not address the disorder’s temporal dimension; therefore, future longitudinal studies should be undertaken to analyse the progression and characteristics of the disorder over time.

The significant differences between mild compulsive buyers and severely compulsive buyers make a significant contribution to counselling practitioners because of the different levels of support that should be offered in relation to the severity of the condition.

The study compares non-compulsive behaviour with occasionally compulsive, mildly compulsive and severely compulsive consumers using an improved screening tool. It identifies critical criteria that distinguish between mild and severe forms of the disorder, which have hitherto been neglected, yet represent key diagnostic and predictive factors, which can inform both early intervention and our understanding of CBB and its complexity.

This study aims to bridge the gap in the literature on consumer behaviours such as image consciousness, materialism and consumer spending on credit card usage intentions among Malaysian college students.

A purposive sampling design was employed using a sample of 191 business and management students at a private higher education institution in Subang Jaya, Malaysia. An anonymous survey questionnaire was administered to the students. Structural equation modeling was then used to determine the validity of the path diagram and model fit.

The findings of the study revealed that materialism is a partial mediator in the relationship between image consciousness and compulsive spending. The study also found that compulsive spending is not a mediator in the relationship between materialism and credit card usage intentions. However, compulsive spending does exert a sizable influence.

Future research is required to investigate whether family background has an impact on youth abilities to be more responsible and rational when undertaking more lavish lifestyles and credit.

The implication of this study is that there needs to be more concerted efforts made in instilling credit card awareness and financial discipline among youth to avoid them falling into the debt trap at an early age.

This study highlighted the existence of the credit card debt problem which can inhibit Malaysia's vision to achieve a developed nation status in 2020.

The influence of website quality on online compulsive buying behavior (OCBB) in the context of online shopping based on the usage of a credit card (UCC) and online impulsive buying behavior (OIBB) was investigated in this study.

The authors used a research model to examine the relationships between the study components as per the prescription. For this investigation, the authors used an online survey form to obtain primary data from 350 respondents on social media. A covariance-based structural equation modeling approach was used to evaluate the structural research model and data.

The findings reveal that the quality of online shopping websites positively affects consumers' UCC and OIBB, and these in turn positively influence their OCBB.

The study emphasized impacting elements on consumer behavior and gave advice for future research based on the results. Using several dimensions of website quality, this study bridges the knowledge gap between UCC, OIBB and OCBB.

Based on UCC and OIBB, the authors developed a new model to investigate the link between website quality and OCBB. To the best of the authors' knowledge, it is the first experimental result that assesses the impact of website quality on OCBB.

The purpose of this paper is to understand the moderating influence of Multi‐item List of Value (MILOV) on credit card attributes, age, and gender in credit use among Indian customers. The research examines the impact of “lifestyle” variables (convenience, use patterns, and status) on credit card use.

Data were collected through mall intercept technique in six metropolitan cities of India. A self‐administered questionnaire was distributed to customers visiting the malls.

Use and convenience emerged as the major determinants of credit card use among Indian customers. Use, convenience, and status attributes were moderated by “sense of belonging” and “sense of fulfilment” dimensions of MILOV. Young customers were likely to use credit cards.

The study does not examine the influence of customer income, occupation, and education on credit card use, as many customers were not willing to disclose the information. These demographic factors can influence customers' perception towards credit card ownership and use.

The findings can be of immense use to international and Indian banks in marketing of credit cards. The convenience attribute can be emphasized to instill confidence among consumers and motivate them to use credit cards.

There is no previous research on Indian credit cards which examines the influence of “lifestyle” and values on its use among Indian customers.