A STUDY ON CONSUMER BEHAVIOUR AND CREDIT CARD IN CHENNAI

This study explores the increasing role of credit cards in personal finance, focusing on the factors that influence consumer spending habits and financial decisions. It analyzes demographic variables such as age, income, education, and location, along with behavioral factors like credit limits, interest rates, and payment habits. The research also examines the impact of external elements like promotions and digital payment systems on credit card usage. Using a mix of qualitative and quantitative methods, including surveys and data analytics, the study investigates how individuals manage their spending, debt, and the psychological drivers behind credit card adoption. The findings aim to inform financial institutions, policymakers, and marketers about enhancing financial products and promoting responsible credit use. Ultimately, the study provides valuable insights into consumer credit behavior in the digital finance landscape, shaping future credit card usage and spending practices.