QUESTIONNAIRE

Dear Respondent, I DIVYA.H.R, student of final year MBA, Maharanis Arts, Commerce and Management College for Women, Bangalore, Bangalore University, conducting a survey on Habits Of The Credit Card Holders, A Study at Bangalore under the Guidance of Prof. Kushala M.com ,M. Phil ,Faculty of Commerce and Management Department. I request you to participate in this Dissertation report on Habits of the Credit Card Holders and provide your feedback on the below questions. Your cooperation in completing this questionnaire is highly appreciated. Please answer all the questions to the best of your knowledge. The questionnaire is completed anonymously, thereby providing full confidentially. Please answer all the questions Please indicate your feed back by ticking [ ] on the appropriate box.

I shall be grateful to you, if you could spare a couple of minutes to answer these questions.

PART-A Demographic Profile 1. Name:

2. Address: .. . . 3. Gender Male Female

4. Age

20-30 Years 30-40 Years

40-50 Years Above 50

5. Occupation
Business Private sector Employee Professionals Government sector

6. Educational Qualification
Below SSLC Graduation Others PUC Post Graduation

7. Annual Income
Less than Rs.25, 000 Rs.25000- 50000 Rs.50000-100000 Above 100000

8. Marital Status Single Married

PART -B

Environment of Habits of the Credit Card Holders 1. Purpose of Using Credit Card Yes a. Shopping b. Hotels c. Health d. Travel
[ ] [ ] [ ] [ ]

No
[ ] [ ] [ ] [ ]

2. Online shopping has increased the usage of credit cards.

Age a. 20-30 b. 30-40 c. 40-50 d. Above 50 Yes [ ] [ ] [ ] [ ] No [ ] [ ] [ ] [ ]

3. Repayment of Credit Cards

a. Within 30 days b. above 30 days [ ] [ ]

4. Reasons for using credit cards Yes

a. Avoidance of risk b. Convenience c. Status d. Immediate payment e. Cash withdrawal f. Benefits [ ] [ ] [ ] [ ] [ ] [ ]

No
[ ] [ ] [ ] [ ] [ ] [ ]

5. Credit card limits will change the buying habits of the credit card holders
a. Strongly Agree c. Neutral [ ] [ ] b. Agree [ ]

d. Disagree [ ]

e. Strongly Disagree [ ]

6. Use of credit card is safest modes of transaction

a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

7. Which of the following statement most closely matches your credit card usage habits?
a. Only use a foreign credit card b. Only use a domestic credit card [ ] [ ]

c. I use a domestic credit card and a foreign credit card [ ]

8. What are the benefits of your credit card in your opinion?

a. Buy now, pay later b. No cash eliminates the trouble of change c. More convenient when traveling /abroad d. Others [ ] [ ] [ ] [ ]

9. How many times do you use your credit card per month?
a. Up to 4 times b.4-6 times c. 6-10 times d. More than 10 time [ ] [ ] [ ] [ ]

10. Do you know the interest rate of each of your credit cards? a. Yes
[ ]

No [ ]

11. Are you satisfied with your credit card services?

a. Very satisfied b. satisfied c .Not satisfied [ ] [ ] [ ]

12. How much do you approximately spend with your credit card per month?
a. Up to 1000 [ ] c. 5000-1000 [ ] b. 3000-5000 d. More 20000 [ ] [ ]

13. Credit Card to be expensive as many other charges are charged on it

a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

14. Credit cards are most useful in case of emergencies

a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

15. Good credit card services will influence the people to use credit cards more
a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

16. Which kind of the credit card you are using at present
a. American express [ ] c. Master card [ ] b. Visa card d. Commercial banks card [ ] [ ]

17. The credit card usage is laced with unnecessary hidden cost
a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

18. The use of credit card unnecessarily promotes credit culture in the society
a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

19. Now days credit card cloning increased frauds in credit card industry
a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

20. Compound interest practice by the service provider is burden to the user of credit card
a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

21. The credit card service provider averse to the rural areas
a. Strongly Agree c. Neutral e. Strongly Disagree [ ] [ ] [ ] b. Agree [ ]

d. Disagree [ ]

22. Please tell us the overall credit card experience on a 10 point scale.
a. Outstanding b. Moderate c .Very Poor [ ] [ ] [ ]

Thank You Sir/ Madam For Your Valuable Time