Abstract
The frequent change in the technology has given rise to many new innovative things in our country. And one among them is the debit and credit cards which people prefer using it for many things. This study aims at identifying the key factors determining the credit card usage like appearance of the card, credit limit, image of the issuer bank, marketing campaign, co-branding offerand also the reasons for using the credit cards like avoidance of risk, prestige power, immediate payment, cash withdrawal facility, safe online shopping by the customers in Chennai city. The factors like convenience, immediate payment, universal acceptance; fraud protection has the higher impact on the customers having credit cards.The study is restricted toChennai city with samples of 100 has been taken for the study by using simple random method.The concluding observation is that there is noted relationship between income of the users of credit cards and the variables determining the choice of credit cards.
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