This is a qualitative
research entitled “The implications of Credit Card Usage to Filipino mind set”
that aims to assess the interaction between Credit Cards and Filipino users.
The researchers have considered Quezon City as well as Caloocan City for ten respondents
of both genders and social classification (middle and upper class), with ages
ranging from fourteen to forty-five, to participate in a one-on-one interview
for the purpose of gathering the needed information to answer the queries in
this research, such as, “What are the implications of Credit Card usage on
Filipino mind set?” and “How does owning a credit
card affect an individual’s household living cost?”
Based on the accumulated
findings, credit card situations and encounters –be it negative or not-
contrasts among the respondents; which is due to the apparent differences in
their relationship with the credit card itself, as well as, their current
financial standings. Hence, in general, it can be said that how a credit card
affects a user varies directly on how they handle it; with accordance to
several purchasing factors, such as, the purpose and the frequency of usage. In
addition to that, the researchers would like to recommend the forthcoming
investigators to hope for more interviewees outside the urban areas to acquire
information from, as well as, a longer time duration to gather the said data;
as, this subject involves a social issue that concerns majority of a nation,
and can therefore not be thoroughly analysed with only few respondents.
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