Factores que influyen en la intención de uso de las tarjetas de crédito por parte de los jóvenes universitarios

This study identifies the factors associated with the use of credit cards by college students. It employs exploratory factor analysis with a quantitative approach and an exploratory-descriptive scope. The levels of association between the constructs in the conceptual model of the intention to use credit cards are quantified by means of Cramer’s V coefficient. The results confirmed the explanatory power of the model and revealed associations between several factors: financial education, perceived benefits of the credit, intention to use credit cards, savings culture, and fee notification by the banking institution. The relationships in the model demonstrate that one of the most important variables to promote the use of credit cards is closely linked to the satisfaction perceived by the customer; this includes from customer care by the corporate advisor to the analysis of the relationship between the financial knowledge of the user and the cost-benefit relationship received from the banking institution when the credit is obtained.