SanSebast

ianCol
l
ege–Recol
etosdeCav
ite,
Inc.
Col
l
egeofAccount
ancy
,Busi
nessAdmi
nist
rat
ionandHospi
tal
i
tyManagement

Depar
tmentofBusi
nessAdmi
nist
rat
ion

Sebast
ini
anCommunit
y’sAwarenessaboutCr
edi
t
andDebi
tPaymentCards

SUBMI
TTEDBY

Ber
nadet
teL.Bar
anda
Samant
haS.Cast
ro
Ji
zel
F.Cor
tez
Shar
leneR.Macar
aig
Ki
mver
lyJ.Mañal
ac
Mar
iki
taY.Si
l
ver
o
Four
thYear–BSBAMA

SUBMI
TTEDTO

Mr
s.Mar
iaSol
edadT.Tubay

Mar
ch2017
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar
ds|
i

ABSTRACT

Ast
udyoft
heawar
enessoncr
edi
tanddebi
tpay
mentcar
dsoft
heSebast
ini
an

Communi
ty. Theobj
ect
ivesoft
hisst
udywer
etodet
ermi
net
heawar
enessoft
he

r
espondent
sandt
hesi
gni
fi
cantdi
ff
erenceofawar
enessi
frespondent
swer
egr
ouped.

Thesampl
esi
zeof400wascomput
edusi
ngt
hepur
posi
vesampl
i
ngmet
hod.Modesof

dat
acol
l
ect
ioni
ncl
udedani
n-dept
hint
erv
iew andasur
veyusi
nga4-
Liker
tScal
e.The

Di
str
ibut
ion,Wei
ght
edMean,One-
wayANOVA andPost
-hoct
estwasconduct
edt
o

i
nter
prett
hef
indi
ngs.Ther
esul
tsi
ndi
cat
edt
hatr
espondent
swer
esi
gni
fi
cant
lyawar
eof

bot
hdebi
tandcr
edi
tcar
dsandt
hatt
her
eisasi
gni
fi
cantdi
ff
erencei
nawar
enessbased

ont
hei
rdemogr
aphi
cs.
Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar
ds|
i
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar i
ds|i

ACKNOWLEDGEMENT

We,
ther
esear
cher
s,wer
eabl
etof
ini
sht
hisst
udywi
tht
hel
oveand

encour
agementofsomewonder
ful
peopl
e.

Wewoul
dli
ket
oexpr
essourdeepestgr
ati
tude,
fir
st,
toMr
s.Mar
iaSol
edadT.

Tubay
,ourr
esear
chadv
iser
,forgui
dingusandpr
ovi
dinguswi
tht
henecessar
ytool
sto

accompl
i
sht
hisbusi
nessr
esear
ch.

Tot
hewel
comi
ngempl
oyeesoft
heBankoft
hePhi
l
ippi
neI
slands–Cav
iteCi
ty

Br
anch,
especi
all
ytoMr
s.Lov
elyE.Lapi
dar
io,
forhergener
osi
tyi
nhel
pingusi
nthe

aut
hor
izat
ionpr
ocessofconduct
ingt
hei
nter
viewwi
tht
hebr
anchmanager
s.

ToMr
.Jessi
eVi
l
lanuev
a,whol
enthi
sti
met
oansweral
lthequest
ionsathand.

Wedeepl
yext
endoursy
mpat
hiesandcondol
encest
othef
ami
l
yofMr
.Ri
zal
dyA.

Papa,
wewi
l
lnev
erf
orgethi
swi
l
li
ngnesst
ohel
puswi
thourst
udy
.Mayhi
ssoul
resti
n

peacei
nthehandsofGod.

Tot
heof
fi
ceoft
heRegi
str
arandHumanResour
ces,
whopr
ovi
deduswi
tht
he

usef
uldat
athatweneedt
ocar
ryoutourr
esear
ch.

Tot
heof
fi
ceper
sonnel
andgr
aduat
ingst
udent
s,whoanswer
edoursur
veywe

si
ncer
elyappr
eci
atey
ourcooper
ati
onf
ory
ourr
esponsesar
ethehear
toft
hisr
esear
ch.

Toal
lrel
ati
ves,
fri
endsandot
her
swhoi
nonewayoranot
hershar
edt
hei
r

suppor
tei
thermor
all
y,f
inanci
all
yandphy
sical
l
y,t
hanky
ou.

Abov
eal
l
,tot
heGodAl
might
y,t
heaut
horofknowl
edgeandwi
sdom,
forhi
s

count
lessl
ove.

Wet
hanky
ou.

BA4MA
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar i
ds|ii

TABLEOFCONTENTS

ABSTRACT i

ACKNOWLEDGEMENT i
i

LI
STOFTABLES i
v

I
NTRODUCTI
ON 1

Rev
iewofRel
atedLi
ter
atur
e 2

Concept
ual
Framewor
k 6

Hy
pot
hesi
s 8

ScopeandDel
i
mit
ati
on 8

Si
gni
fi
canceoft
heSt
udy 9

METHODOLOGY 10

Resear
chDesi
gn 10

Par
ti
cipant
s 12

I
nst
rument
sandSour
cesofDat
a 14

Dat
aCol
l
ect
ion 22

Dat
aAnal
ysi
s

23

RESULTSANDDI
SCUSSI
ONS 23

Anal
ysi
sandI
nter
pret
ati
onofDat
a 24

Concl
usi
on 87

Recommendat
ions 91

REFERENCES 94

APPENDI
CES 96
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar i
ds|v

LI
STOFTABLES

Rev
iewofRel
atedLi
ter
atur
e(Tabl
eA) 2

Concept
ual
Par
adi
gm (
Fig.1) 7

GANTTChar
t(Fi
g.2) 11

Resear
chCy
cle(
Fig.3) 11

Conf
idenceI
nter
val
OfTheResear
ch(
Fig.4) 13

RESPONDENTS(
Tabl
eB) 13

DEMOGRAPHI
CSOFRESPONDENTS

DI
STRI
BUTI
ONBYAGE(
Tabl
e1.
1.1) 24

DI
STRI
BUTI
ONBYGENDER(
Tabl
e1.
1.2) 24

DI
STRI
BUTI
ONBYMARI
TALSTATUS(
Tabl
e1.
1.3) 24

DI
STRI
BUTI
ONBYOCCUPATI
ON(
Tabl
e1.
1.4) 25

DI
STRI
BUTI
ONBYCOURSEORWORKI
NG(
Tabl
e1.
1.5) 25

DI
STRI
BUTI
ONBYMONTHLYSALARY(
Tabl
e1.
1.6) 26

DI
STRI
BUTI
ONBYADVERTI
SEMENTS

TV(
Tabl
e1.
2.1) 26
MALLS(
Tabl
e1.
2.2) 26
RADI
O(Tabl
e1.
2.3) 26
BROCHURES(
Tabl
e1.
2.4) 27
SOCI
ALMEDI
A(Tabl
e1.
2.5) 27
NONE(
Tabl
e1.
2.6) 27
OTHERS(
Tabl
e1.
2.7) 27
AWARENESSLEVELOFRESPONDENTS(
CROSSTABULATI
ON)
GENDERANDTVADS(
Tabl
e2.
1.2.
1) 28
GENDERANDMALLADS(
Tabl
e2.
1.2.
2) 28
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar v
ds|

GENDERANDRADI
OADS(
Tabl
e2.
1.2.
3) 28
GENDERANDBROCHURESADS(
Tabl
e2.
1.2.
4) 29
GENDERANDSOCI
ALMEDI
AADS(
Tabl
e2.
1.2.
5) 29
GENDERANDNONEADS(
Tabl
e2.
1.2.
6) 29
GENDERANDOTHERADS(
Tabl
e2.
1.2.
7) 30
AGEANDTVADS(
Tabl
e2.
1.1.
1) 30
AGEANDMALLADS(
Tabl
e2.
1.1.
2) 31
AGEANDRADI
OADS(
Tabl
e2.
1.1.
3) 31
AGEANDBROCHUREADS(
Tabl
e2.
1.1.
4) 32
AGEANDSOCI
ALMEDI
AADS(
Tabl
e2.
1.1.
5) 32
AGEANDNONEADS(
Tabl
e2.
1.1.
6) 33
AGEANDOTHERADS(
Tabl
e2.
1.1.
7) 33
MARI
TALSTATUSANDTVADS(
Tabl
e2.
1.3.
1) 34
MARI
TALSTATUSANDMALLADS(
Tabl
e2.
1.3.
2) 34
MARI
TALSTATUSANDRADI
OADS(
Tabl
e2.
1.3.
3) 34
MARI
TALSTATUSANDBROCHUREADS(
Tabl
e2.
1.3.
4) 35
MARI
TALSTATUSANDSOCI
ALMEDI
AADS(
Tabl
e2.
1.3.
5) 35
MARI
TALSTATUSANDNONEADS(
Tabl
e2.
1.3.
6) 35
MARI
TALSTATUSANDOTHERADS(
Tabl
e2.
1.3.
7) 36
OCCUPATI
ONANDTVADS(
Tabl
e2.
1.4.
1) 36
OCCUPATI
ONANDMALLADS(
Tabl
e2.
1.4.
2) 36
OCCUPATI
ONANDRADI
OADS(
Tabl
e2.
1.4.
3) 37
OCCUPATI
ONANDBROCHURESADS(
Tabl
e2.
1.4.
4) 37
OCCUPATI
ONANDSOCI
ALMEDI
AADS(
Tabl
e2.
1.4.
5) 37
OCCUPATI
ONANDNONEADS(
Tabl
e2.
1.4.
6) 38
OCCUPATI
ONANDOTHERADS(
Tabl
e2.
1.4.
7) 38
COURSEOROCCUPATI
ONANDTVADS(
Tabl
e2.
1.5.
1) 39
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar v
ds| i

COURSEOROCCUPATI
ONANDMALLSADS(
Tabl
e2.
1.5.
2) 40
COURSEOROCCUPATI
ONANDRADI
OADS(
Tabl
e2.
1.5.
3) 41
COURSEOROCCUPATI
ONANDBROCHURESADS(
Tabl
e2.
1.5.
4) 43
COURSEOROCCUPATI
ONANDSOCI
ALMEDI
AADS(
Tabl
e2.
1.5.
5)44
COURSEOROCCUPATI
ONANDNONEADS(
Tabl
e2.
1.5.
6) 45
COURSEOROCCUPATI
ONANDOTHERADS(
Tabl
e2.
1.5.
7) 46
MONTHLYSALARYANDTVADS(
Tabl
e2.
1.6.
1) 47
MONTHLYSALARYANDMALLSADS(
Tabl
e2.
1.6.
2) 47
MONTHLYSALARYANDRADI
OADS(
Tabl
e2.
1.6.
3) 48
MONTHLYSALARYANDBROCHURESADS(
Tabl
e2.
1.6.
4) 48
MONTHLYSALARYANDSOCI
ALMEDI
AADS(
Tabl
e2.
1.6.
5) 49
MONTHLYSALARYANDNONEADS(
Tabl
e2.
1.6.
6) 49
MONTHLYSALARYANDOTHERSADS(
Tabl
e2.
1.6.
7) 50
WI
LLI
NGNESSTOSETUPCREDI
TCARDS
AGE(
Tabl
e2.
2.1.
1) 50
GENDER(
Tabl
e2.
2.2.
1) 50
MARI
TALSTATUS(
Tabl
e2.
2.3.
1) 51
OCCUPATI
ON(
Tabl
e2.
2.4.
1) 51
COURSEOROCCUPATI
ON(
Tabl
e2.
2.5.
1) 52
MONTHLYSALARY(
Tabl
e2.
2.6.
1) 53
WI
LLI
NGNESSTOSETUPDEBI
TCARDS
AGE(
Tabl
e2.
3.1.
1) 53
GENDER(
Tabl
e2.
3.2.
1) 53
MARI
TALSTATUS(
Tabl
e2.
3.3.
1) 54
OCCUPATI
ON(
Tabl
e2.
3.4.
1) 54
COURSEOROCCUPATI
ON(
Tabl
e2.
3.5.
1) 55
MONTHLYSALARY(
Tabl
e2.
3.6.
1) 56
MEANREPORTFORTOTALAWARENESSOFCREDI
TCARD
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar v
ds| i
i

ACCORDI
NGTOAGE(
Tabl
e3.
1.1) 56
ACCORDI
NGTOGENDER(
Tabl
e3.
1.2) 57
ACCORDI
NGTOMARI
TALSTATUS(
Tabl
e3.
1.3) 57
ACCORDI
NGTOOCCUPATI
ON(
Tabl
e3.
1.4) 57
ACCORDI
NGTOCOURSEANDWORK(
Tabl
e3.
1.5) 58
ACCORDI
NGTOMONTHLYSALARY(
Tabl
e3.
1.6) 59
MEANREPORTFORTOTALAWARENESSOFDEBI
TCARD
ACCORDI
NGTOAGE(
Tabl
e3.
2.1) 60
ACCORDI
NGTOGENDER(
Tabl
e3.
2.2) 60
ACCORDI
NGTOMARI
TALSTATUS(
Tabl
e3.
2.3) 61
ACCORDI
NGTOOCCUPATI
ON(
Tabl
e3.
2.4) 61
ACCORDI
NGTOCOURSEANDWORK(
Tabl
e3.
2.5) 62
ACCORDI
NGTOMONTHLYSALARY(
Tabl
e3.
2.6) 63
DIFFERENCEI
NTHEAWARENESSOFRESPONDENTSOFCREDI
TANDDEBI
TCARDS
(ACCORDINGTODEMOGRAPHI
CS)
TOTHEREQUI
REMENTS(
Tabl
e4.
1) 68
TOTHEAPPLI
CATI
ONPROCESS(
Tabl
e4.
2) 69
TOTHEBI
LLI
NGOFCREDI
TANDDEBI
TCARDS(
Tabl
e4.
3) 78
TOTHETERMSANDCONDI
TIONSOF
CREDI
TANDDEBI
TCARDS(
Tabl
e4.
4) 83
TOAPPLYFORCREDI
TANDDEBI
TCARDS(
Tabl
e4.
5) 85
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 1
ds|

I
NTRODUCTI
ON

I
nthepr
esentday
,mi
l
lenni
alsandwor
kingcl
assneedt
oknowaboutmor
ethan

j
ustcheckbooksandpassbooks.El
ect
roni
cbanki
ngi
sext
remel
ypopul
arandpaperi
s

al
lbutobsol
ete.Debi
tandcr
edi
tcar
dst
odayar
ethet
rend,andcust
omer
s–especi
all
y

y
oungconsumer
s–needt
oknowaboutt
heset
ool
sandt
her
ight
sandr
esponsi
bil
i
ties

t
hatgoal
ongwi
tht
hem.

Wi
thr
ecentchangesi
nther
egul
ati
onsr
egar
dingdebi
tandcr
edi
tcar
ds,i
t’
sa

goodt
imet
olear
naboutt
hesef
ormsofpay
ment
.

Accor
dingt
otheFeder
alReser
veBankofSt
.Loui
s(2010)
,adebi
tcar
disa

pay
mentcar
dpr
ovi
dedbyabankasaser
vicet
hatal
l
owsapoi
nt-
of-
sal
etr
ansact
iont
o

r
epl
acecashandchecks;t
ransact
ionsar
ededuct
edel
ect
roni
cal
l
yfr
om acar
dhol
der
’s

account
.Thebankgi
vesy
ouacar
dli
nkedt
oyourbankaccount
.Thecar
dcanbeused

t
obuyt
hingsi
nst
eadofusi
ngcashorwr
it
ingacheckorusi
ngacr
edi
tcar
d.Thebank

r
ecei
vesi
nfor
mat
ionaboutpur
chasesel
ect
roni
cal
l
yanddeduct
stheamountspent

f
rom t
heaccountatt
het
imet
hepur
chasei
smade.

Theconsumer
’snext
-f
avor
it
efor
m ofpl
ast
ici
scr
edi
tcar
ds.And,t
hesear
eeasy

t
ouseaswel
l
,unt
ily
our
eal
i
zet
hatabi
l
lcomesev
erymont
handy
ouhav
etopayf
oral
l

t
het
hingsy
oupur
chased.Themosti
mpor
tantt
hingt
orememberaboutcr
edi
tcar
dsi
s

t
hat
,ify
oudon’
tqui
ckl
ypayf
ort
het
hingsy
oubuy
,thoset
hingscanendupcost
ing

much,muchmor
ethant
heor
igi
nalpr
icey
oupai
d.Cr
edi
tcar
dsr
epr
esentagr
eement
s

bet
weent
housandsofl
ender
s-t
hei
nst
it
uti
onsi
ssui
ngt
hecar
d-andmi
l
li
onsof

car
dhol
der
s.Cr
edi
tcar
dsar
eusedr
epeat
edl
ytobuypr
oduct
sorser
vicesandt
obor
row

moneyon cr
edi
t.Cr
edi
t-
car
d compani
es char
ge ov
er-
the-
li
mitf
ees,l
atef
ees,and

i
nter
estonunpai
dbal
ances.So,
wit
hthev
olumeofcr
edi
tcar
duseashi
ghasi
tis,
even
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 2
ds|

smal
lfeesaddupt
obi
gmoney(
Feder
alReser
veBankofSt
.Loui
s,2010)
.

Her
ewi
th,t
her
esear
cher
sdeci
dedt
oinv
est
igat
ether
eli
abi
l
ity
,consi
stencyand

v
ali
dit
yoft
hesai
dinf
ormat
ionbyconduct
ingast
udywi
tht
hehel
poft
heol
destbank

est
abl
i
shedi
nthePhi
l
ippi
nesandSout
heastAsi
a,t
heBankoft
hePhi
l
ippi
neI
slands

(
BPI
)thr
oughani
nfor
mat
ionali
nter
view conduct
edi
naccor
dancewi
thAppendi
xI.

Speci
fi
cal
l
y,t
hisst
udyat
tempt
stounder
standconsumerper
cept
ionsandknowl
edge

t
owar
dst
heusageofcr
edi
tanddebi
tcar
ds.Ther
esear
cher
star
get
edt
heGr
aduat
ing

st
udent
sand Wor
king Per
sonnelofSan Sebast
ian Col
l
ege-
Recol
etosdeCav
itet
o

measur
ethei
rlev
elofawar
enessaboutt
het
wopay
mentcar
ds.

Rev
iewofRel
atedLi
ter
atur
e

Thi
s st
udy conduct
ed by t
he r
esear
cher
sis di
ff
erentf
rom pastpubl
i
shed

r
esear
chesasdescr
ibedi
nTabl
eA.

TableA:Rev iewofRel
atedLiter
ature
Year
Nameofr esear ch Author(s) Publishe Descr i
ption
d
Consumer s' Atti
tude Ast udyi nvestigat i
ngcar d
Towar dsCr edit Dr .Sudershan users' responseandat tit
udes
1 2013
Car ds:AnEmpi r
ical Kumar t
owar dscr editcar ds,their
Study usageandi ssuer .
Ast udyoncol l
egest udent s'
owner shipandmanagementof
AnExami nat i
onof credi tcards.I fthecar d
t
heCr editCar d acqui sit
ionaf fectst hei
r
2 JenniferL.Munro 1997
Pay mentPr acticesof patter nofusageandwhet her
Col l
egeSt udent s theyusei tforconv enienceand
payt heirbalancesor
accumul ateddebt .
Cr editCardUsageof FrancesC. Ast udyt opr ovideadet ail
ed
3 Col l
egeSt udent s: Lawr ence, 2003 descr i
pti
onofcr edi
tcar d
Evidencef r
om RebeccaC. usageandf inanci alpracti
ces
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 3
ds|

Chri
stoffer
son,
SusanE.Nest er,
E.
oftheircollegestudent
s
Loui
sianaStat
e Bar
ryMoser ,
r
elati
ngt opr opermanagement
Univer
sit
y Jeanett
eA.Tucker
andf inanciall
i
teracy.
andAngel aC.
Ly ons
Ast udyt oexpl or ebehav ior al
det erminant sinfluenci ng
i
ndiv i
dual inv est or'sdeci sions
BehavioralBi
asesIn Geeti
kaMadaan
4 2016 onf inanceandhowbi ases,
FinancialDeci
sions Sukhej
a,Sr
.
moodsandemot i
onsi nf luence
thef inanci al behav iorof
indi v i
dual s.
Ast udyaboutt hef our
commonmani festat i
onsoft he
"
gr oupef fect ",individual s
HowGr oupDynamics PaulRoger
sand maki ngoragr eeingt o
5 2013
Af
fectDeci
sions ToddSentur
ia decisionst heymi ghtnotcome
upt oont hei rownandsome
suggest ionsonhowt ocount er
them.
Ast udyaboutt he
measur ementt heor ies
St
ati
sti
csandTheor
y
6 D.J.Hand 1996 r
elationshi panddescr ipt ion
ofMeasurement
thataf fectsot hert heor iesand
practical appl i
cat i
ons.
Ast udyaboutt hei nsight son
Compet i
tionand
ther elati
onshi pofcompet ition
I
nnovationint he
andconsumer s, i
nst i
tut ions,
Consumere-
Br
ianMant
eland andpubl icpol i
cy -basedf act or s
7 PaymentsMar ket? 2001
Ti
mothyMcHugh thataf fectt hewi ll
ingnessof
Consideringthe
consumer st oadaptt o
Demand, Suppl y
, and
innov at edpay ment
Publi
cPol icyIssues
i
nst rument s.
ASt udyon Ast udyt ounder standf act or s
Percept i
onand i
nf l
uenci ngpossessi onof
AwarenessonCr edit creditcar ds.Aswel las,
8 Dr
.S.Sudhagar 2012
Car
dsamongBank atti
tudes, ext entofut ilizat ion
Customer sin andsat isfact i
onofcr edi t
Kri
shnagi r
iDist
rict car ds.
TheSafetyofCash
andDebi tCards:A
Ast udyont hei
mpactofthe
studyont he
9 AnnekeKosse 2008 perceivedpaymentsaf
etyon
Percept i
onand
debitcardandcashusage.
BehaviorofDut ch
Consumer s
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 4
ds|

Bernadette
Aresearchonmeasur ingt he
Baranda,
Sebast i
nian awarenessondebi tandcr edi
t
Samant haCastro,
Communi ty'
s cards,theirrequi
rements,
JizelCortez,
10 Awar enessabout 2017 processes, bil
l
ings,ter
msand
SharleneMacar aig,
Cr editandDebit conditi
onsandhow
Kimv erl
yMañal ac,
Pay mentCards demogr aphi cscanaffect
andMar ikit
a
them.
Sil
ver
o

Toobt
aint
henecessar
yorr
elat
edi
nfor
mat
ionneeded,t
her
esear
cher
sused

sev
eralv
ari
abl
es.Thesev
ari
abl
esar
ethedemogr
aphi
cfact
orsoft
heSebast
ini
an

Communi
tysuchasage,gender
,mar
it
alst
atus,occupat
ion,andmont
hlysal
aryr
ange

t
hathav
easi
gni
fi
canti
mpactont
heLev
elofAwar
enessaboutCr
edi
tand Debi
t

Pay
mentCar
ds.

I
nthi
sregar
d,demogr
aphi
csappeart
opl
ayav
italr
olei
nmaki
ngachoi
ceand

t
heuseofcr
edi
tcar
dsasaconv
eni
enceuserorr
evol
ver
.Thel
i
ter
atur
eofr
elat
ionshi
ps

bet
ween age and consumerpr
efer
ences i
n sel
ect
ing t
he pay
menti
nst
rument
s

speci
fi
cal
l
ydebi
tcar
dspr
oducesr
obustr
esul
tsbasedonpr
iorst
udi
es.Zi
nman(
2005)
,

Lee,Abdul
-RahmanandKi
m(2007)
,SchuhandSt
avi
ns(
2010)usedat
afr
om v
ari
ous

y
ear
stor
unt
hedescr
ipt
iveanal
ysi
s.Age,
incomel
evelhasbeenst
udi
edpr
evi
ousl
yand

suggestsomei
ndi
cat
ionf
orcor
rel
ati
onbet
weendemogr
aphi
canduseofcr
edi
tcar
d.

Accor
dingt
othest
udyconduct
edbyKi
nsey(
1981)
,thepr
obabi
l
ityofhav
ingcr
edi
t

car
ds and t
he numberhel
d was cor
rel
ated hi
ghl
ywi
th age and occupat
ion.The

r
esear
cher
susedapopul
art
ypeofdemogr
aphi
cquest
ionf
orage,whi
chwast
aken

f
rom t
hepr
ofi
l
equest
ionnai
ref
ort
heAmer
icanMar
ket
ingAssoci
ati
oni
tsel
f.

Ther
eisadecadewor
thofsci
ent
if
icr
esear
chont
heobser
vabl
edi
ff
erencesi
n

how menandwomenbehav
easshopper
s.I
tiscl
eart
hatmenandwoment
hink
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 5
ds|

di
ff
erent
lyaboutshoppi
ngandwi
l
lappr
oacht
heactofshoppi
ngonl
i
nei
ndi
ff
erent

way
s.(
Aswegen,2015)Resear
chshowst
hatcust
omer
shav
ear
angeofunder
lyi
ng

mot
ivat
ionst
ri
gger
ingt
hei
rshoppi
ngbehav
ior
s,butt
her
ear
eessent
ial
l
ytwot
ypesof

shoppi
ngmot
ives:Ment
endt
ofol
l
owaut
il
it
ari
an,mor
elogi
c-basedappr
oach;women

ar
emost
lyhedoni
cshopper
s.(
Mpi
nganj
i
ra,2014)Oneneedst
otel
lmenwhyt
hey

shoul
dbuyt
hosepr
oduct
sandwhyi
tmakessensef
ort
hem t
opur
chasei
t.Tor
each

andengagewomen,
themar
ket
erwi
l
lhav
etocr
eat
eemot
iveshoppi
ngexper
iencest
hat

r
esonat
ewi
tht
hem.St
udi
eshav
eshowedt
hatt
her
ear
edi
ff
erencesbet
weenmal
eand

f
emal
ebr
ains.Womenhav
eat
hicker
 cor
puscal
l
osum t
hatper
mit
swoment
ousebot
h

si
desoft
hei
rbr
ainst
osol
vepr
obl
emsmor
erapi
dly
,whi
l
emenpr
imar
il
yuset
hel
eft

si
deoft
hei
rbr
ains.(
Gungor
,2009)

Mar
it
alorr
elat
ionshi
pst
atushasbeenshownt
ohav
esomeef
fectonawoman’
s

r
iskt
oler
ance.Resear
chbyYaoandHanna(
2005)demonst
rat
edt
hatmar
ri
edwomen

wer
emuchl
essr
iskt
oler
antt
hanmar
ri
edmen.Ther
esear
chal
soshowedt
hat
:

“
Ingener
al,cont
rol
l
ingf
orot
herv
ari
abl
es,mar
ri
edi
ndi
vi
dual
swer
elessl
i
kel
yto

bewi
l
li
ngt
otakef
inanci
alr
iskt
hanunmar
ri
edones,andmal
eswer
emor
eli
kel
y

t
obewi
l
li
ngt
otaker
iskt
hanf
emal
es,
wit
hunmar
ri
edmal
esbei
ngt
hemostr
isk

t
oler
ant
,fol
l
owed by mar
ri
ed mal
es,t
hen unmar
ri
ed f
emal
es,and mar
ri
ed

f
emal
es.
”

Thi
sdi
ff
erencecanbeexpl
ainedbyt
hei
mpactadependenthasont
hemar
ri
ed

coupl
e,mar
ri
edwomeni
npar
ti
cul
ar.Mar
ri
edcoupl
es,asauni
t,woul
dbel
essl
i
kel
yto

t
akeonsubst
ant
ialf
inanci
alr
iskbecauseoft
her
esponsi
bil
i
tyt
heyhav
etoeachot
her

and,
possi
bly
,thei
rdependent
s(Yao&Hanna,
2005)
.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 6
ds|

Thel
evelofeducat
ionani
ndi
vi
dualachi
eveshasbeenshownt
ohav
esome

i
mpactonr
iskt
oler
ance.Ther
ewer
ethebr
oadpat
ter
nst
hatt
heeconomi
stshav
e

di
scov
ered:Ri
cherpeopl
ewer
emor
eli
kel
ytogetcash-
back,poi
nt-
rewar
d,ormi
l
eage

of
fer
s.Poorpeopl
ewer
emor
eli
kel
ytogetof
fer
sthatadv
ert
iseal
ow i
ntr
oduct
ory

AnnualPer
cent
ageRat
e.Accor
dingt
oGuo(
2015)
,“i
faper
sonwant
stoknow what

cr
edi
tcar
dcompani
est
hinkofhi
m,hemustl
ookathi
smai
l
.”Bankst
hinkt
hataper
son

i
sri
chandeducat
edi
fher
ecei
vesl
otsofpr
e-scr
eenedmi
l
eage-
rewar
dcar
dswhi
l
epoor

anduneducat
edi
fhemost
lyseesof
fer
sforl
ow-
APRt
easer
s.Thest
udycar
ri
edoutby

Mar
tel
landFi
tt
s(1981)showedt
hatbankcr
edi
tcar
dhol
der
snor
mal
l
yhadhi
gher

i
ncome,wer
ebet
tereducat
ed,ownedmul
ti
plebankaccount
s,andempl
oyedast
abl
e

pat
ter
nofbanki
ng.Ar
esear
chshowedt
hatl
ow-
incomef
ami
l
iesdonotdov
erywel
lin

managi
ngt
ost
aysol
vent
.Manyoft
hem ev
enhav
enegat
ivenetwor
th.
 Av
ail
abl
e

ev
idenceshowst
hatl
ow-
incomeconsumer
sar
enotmor
eint
ent
ionali
nthei
rshoppi
ng,

notmor
e wi
de-
rangi
ng i
nthei
rsear
ch,notmor
e mi
ndf
ulofpr
ice,and notmor
e

knowl
edgeabl
eont
hechar
act
eri
sti
csofpr
oduct
sthanhi
gheri
ncomeconsumer
sar
e.

Andbecauset
heyl
ackst
abl
ejobs,manyoft
hem r
efuset
oacqui
regener
almar
ket

cr
edi
t.(
Dav
idson,
2016)
.Ther
esear
cher
susedt
het
axt
abl
eoft
heBI
R,asi
tist
hemost

r
elev
antt
oolt
ounder
standt
hemont
hlysal
aryr
angeofeachr
espondent
.Fort
het
ax

t
abl
epr
ovi
desabasi
cunder
standi
ngoft
hecur
rentandnew per
sonali
ncomeoft
he

r
espondent
sort
hepar
ent
soft
her
espondent
sengagedi
nBusi
nessandPr
act
iceof

Pr
ofessi
on.Thecour
seswasbasedont
heLi
stofEnr
oll
eesf
ort
hesecondsemest
erof

t
heAcademi
cYear2016-
2017aspr
ovi
dedbyt
heRegi
str
arof
fi
ceasr
esponset
othe

r
equestseeni
nAppendi
xII
.TheTeachi
ng and Non-
teachi
ng asasubpar
toft
he
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 7
ds|

Wor
kingoccupat
ionwasbasedont
hegi
vennumberofempl
oyeesf
rom t
heHuman

Resour
cesDepar
tmentasseeni
nAppendi
xII
I.

Thr
ought
heuseoff
act
uali
nfor
mat
ionaboutCr
edi
tandDebi
tpay
mentcar
ds,t
he

l
evelofawar
eness was measur
ed.A 4-
li
ker
tscal
e was used t
o comput
ethe

r
espondent
’s knowl
edge aboutt
he t
wo pay
mentcar
ds.Dat
a gat
her
ed f
rom t
he

i
nter
view quest
ion became t
he basi
s oft
he quest
ionnai
re,see Appendi
xIV.The

i
nfor
mat
ionwassubdi
vi
dedi
ntof
our(
4)par
ts:Requi
rement
s,Appl
i
cat
ionPr
ocess,

Bi
l
li
ngandTer
msandCondi
ti
ons.

Gi
vent
hef
oll
owi
ngdat
a,t
her
esear
cher
ssel
ect
edt
hemostr
elev
antquest
ion

t
hatwoul
ddet
ermi
net
hel
evelofawar
enessoft
her
espondent
sasseeni
nAppendi
xV.

Cat
egor
ydr
iver
s,andt
heat
tri
but
es,benef
it
s,andv
aluest
hatmaket
hem up,i
ncl
udi
ng

br
and-
rel
atedv
alues,ar
ecr
it
icalt
oamar
ket
ersunder
standi
ngofpr
oductandser
vice

engagementandget
ti
ngi
tri
ghtwhendeal
i
ngwi
thconsumer
s(Passi
kof
f,2010)
.Af
inal

quest
ionaski
ngf
ort
hewi
l
li
ngnesst
oset
upacr
edi
tordebi
tcar
dwasaskedt
oknowi
f

t
heawar
enesswoul
dencour
aget
her
espondent
stoopenorset
upacr
edi
tordebi
t

account
.

Concept
ual
Framewor
k

Fi
g.1 shows t
hatt
he r
elat
ionshi
p bet
ween t
he dependentv
ari
abl
e and t
he

i
ndependentv
ari
abl
es.I
tshowshowage,
gender
,mar
it
alst
atus,
cour
se/
occupat
ionand

gr
ossi
ncomeoft
her
espondent
saf
fectt
hel
evelofawar
enessoft
heSebast
ini
an

Communi
tyaboutt
heCr
edi
tandDebi
tpay
mentcar
ds.

I
NDEPENDENTVARI
ABLE DEPENDENTVARI
ABLE
Age,
Gender,Mari
talSt
atus, Sebasti
nianCommunity’
s
Course/
Occupat
ion,and Awarenessaboutcr
editanddebi
t
Monthl
yGrossIncome paymentcards
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 8
ds|

Fi
g.1Concept
ualParadigm oft
heLevelofAwar
enessoft
hecredi
tanddebi
tpayment
car
dsinrel
ati
ont otheDemographicPr
ofi
l
eoftheSebast
ini
anCommunity

St
atementoft
hePr
obl
em

Thi
sresear
ch ai
med t
o know t
he Lev
elofawar
eness oft
he Sebast
ini
an

Communi
tyaboutt
heCr
edi
tandDebi
tPay
mentCar
ds.I
nthi
schapt
er,t
her
eader
swi
l
l

knowt
hequest
ionst
her
esear
cher
srai
sedt
obeanswer
ed,
thesi
gni
fi
canceoft
hest
udy
,

andt
hel
i
mit
ati
onoft
hest
udy
.

Themai
npr
obl
em oft
hest
udyi
stodet
ermi
net
hel
evelofawar
enessofSSC-

RdC’
ssel
ect
edgr
aduat
ingcol
l
egest
udent
s,f
acul
tyandof
fi
ceper
sonnelofS.
Y.2016-

2017aboutcr
edi
tanddebi
tpay
mentcar
ds.Speci
fi
cal
l
y,t
hest
udysoughtanswer
sto

t
hef
oll
owi
ngquest
ions:

1.Det
ermi
net
hepr
ofi
l
eoft
her
espondent
sint
ermsof
:

a.Age,

b.Gender
,

c.Mar
it
alSt
atus,

d.Cour
se/Occupat
ion,
and

e.Mont
hlyGr
ossI
ncome

2.Det
ermi
net
hel
evel
ofawar
enessoft
her
espondent
sabout
:

a.Adv
ert
isement
s,

b.Requi
rement
s,
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 9
ds|

c.Appl
i
cat
ionPr
ocess,

d.Bi
l
li
ng,
and

e.Ter
msandcondi
ti
ons

3.Det
ermi
nei
fther
eist
her
eisasi
gni
fi
cantdi
ff
erencei
nthel
evelofawar
enessoft
he

r
espondent
sgr
oupedaccor
dingt
o:

a.Age,

b.Gender
,

c.Mar
it
alSt
atus,

d.Cour
se/Occupat
ion,
and

e.Gr
ossI
ncome

4.Det
ermi
net
hei
mpl
i
cat
ionsoff
indi
ngs.

Hy
pot
hesi
s

Age,Gender
,Cour
se orOccupat
ion,and Mont
hly Sal
ary Range hav
e no

si
gni
fi
canti
nfl
uencei
ntheLev
elofAwar
enessoft
heSebast
ini
anCommuni
tyabout

Cr
edi
tandDebi
tPay
mentCar
ds.

ScopeandDel
i
mit
ati
on

Thest
udywi
l
lbef
ocusedont
hel
evelofawar
enessofSanSebast
ianCol
l
ege-

Recol
etosdeCav
ite’
scommuni
ty.Thet
argetsubj
ect
soft
her
esear
cher
sar
eli
mit
ed

onl
ytot
he f
acul
ty,empl
oyees and gr
aduat
ing st
udent
s oft
his or
gani
zat
ion.The

r
esear
cher
’sbasi
sfort
hecompar
isonofhow awar
ethet
argetsubj
ect
sar
ebasedon

col
l
ect
edi
nfor
mat
ionf
rom t
heconduct
edsur
veyi
ntheSebast
ini
anCommuni
tybased

ont
hei
nfor
mat
ionali
nter
view f
rom BPI
’
smanagement
.Thi
sst
udywasl
i
mit
edt
o400
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 10
ds|

r
espondent
sgi
vent
hatt
heyar
egr
aduat
ing,t
eachi
ng,ornon-
teachi
ngper
sonneloft
he

i
nst
it
uti
on.Ther
esear
cher
susedt
henon-
probabi
l
itysampl
i
ngt
echni
quei
nsel
ect
ing

r
espondent
sspeci
fi
cal
l
ythepur
posi
vesampl
i
ng,wher
east
her
esear
cher
sseekmor
e

t
hanonespeci
fi
cpr
edef
inedgr
oups.Ot
heract
ionst
hatar
ebey
ondt
hescopeoft
his

st
udywi
l
lnotbebenef
ici
al.Thi
sst
udyi
senv
isi
onedt
othebenef
itoft
hemanagement

andf
utur
epay
mentcar
dhol
der
sofBPI
.

Si
gni
fi
canceoft
heSt
udy

Thi
sst
udywasconduct
edf
ort
hebenef
itoft
hef
oll
owi
ng:

1.Fut
urepossi
blepay
mentcar
dhol
der
s(Debi
tCar
dandCr
edi
tCar
d),t
heSan

Sebast
ian Col
l
ege-
Recol
etos de Cav
ite’
s communi
ty.Thr
ough t
hisr
esear
ch,

sel
ect
edgr
aduat
ingst
udent
s,f
acul
tyandempl
oyeeswi
l
lbei
nfor
medhow t
his

ki
ndofpay
mentwor
ksandt
her
isksi
nav
ail
i
ngone.

2.Thi
sst
udycoul
dal
sohel
pBankoft
hePhi
l
ippi
neI
slandt
oincr
easet
henumber

oft
hei
raccounthol
der
s,becauset
hrought
his,peopl
emi
ghtbeencour
aget
o

acqui
rewhent
heyf
ull
yunder
standhowt
hecar
dwor
ksandt
hebenef
it
sthatcan

begai
nedj
ustbyav
ail
i
ngt
hepay
mentcar
ds.Det
ail
swi
l
lbedi
scl
osedi
nthi
s

r
esear
cht
hat
’swhyi
twi
l
lconsumel
esst
imef
ort
hecompani
est
oexpl
ainev
ery

det
ail
oft
hei
rpr
ogr
am.

3.Ot
herBanki
ngI
nst
it
uti
onswoul
dal
sobenef
iti
nthi
sresear
chf
ori
twi
l
lpr
ovi
de

t
hem i
nsi
ght
s and i
nfor
mat
ion on how t
oinnov
atet
hei
rown sy
stems and

st
rengt
hent
hei
rownbanki
ngsy
stems.

4.Thi
s st
udywi
l
lpr
ovi
de v
ali
d and r
eli
abl
einf
ormat
ion on how demogr
aphi
c
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 11
ds|

pr
ofi
l
esaf
fect
stheLev
elofAwar
enessaboutCr
edi
tandDebi
tPay
mentcar
ds

whi
chwi
l
lbeusef
ult
ofut
urer
esear
cher
s.Thi
swi
l
lser
veasal
i
ter
atur
ethatwi
l
l

augmentt
hesuccessoft
hei
rownr
esear
chpaper
.

METHODOLOGY

Thepur
poseoft
hischapt
eri
stodescr
ibet
her
esear
chdesi
gnt
obeusedi
nthi
s

st
udy
,toexpoundhowt
her
espondent
swer
echosen,
todef
inet
hei
nst
rument
,thedat
a

gat
her
ingpr
ocess,t
hedat
apr
ocessi
ngmet
hodandt
hest
ati
sti
calt
reat
mentoft
he

r
esul
ts.

Resear
chDesi
gn

Thi
s st
udy wi
l
luse t
he descr
ipt
iver
esear
ch met
hod i
n det
ermi
ning t
he

char
act
eri
sti
cs oft
he r
espondent
s and how t
hese char
act
eri
sti
cs i
nfl
uence t
hei
r

awar
enessaboutCr
edi
tandDebi
tPay
mentCar
ds.Asur
veywi
l
lbeadmi
nist
eredt
o

gat
herandanal
yzedat
a.Ther
esear
cher
swi
l
lmakeuseoft
hedat
athatt
heywi
l
lcol
l
ect

t
hrought
hesur
veyt
ocomeupwi
thaper
sonal
descr
ipt
ionoft
heanswert
other
esear
ch

pr
obl
em.

The Resear
cher
s desi
gned a GANTT Char
tand Resear
ch Cy
cle speci
fi
cal
l
y

st
ruct
uredf
ort
hespanoft
her
esear
ch.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 12
ds|

Fi
g.2GANTTChar
t

Fi
g.3
Resear
chCy
cle
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 13
ds|

Par
ti
cipant
s

The r
espondent
s wer
ethe SSC-
RdC’
s sel
ect
ed gr
aduat
ing col
l
ege st
udent
s,

f
acul
tyandof
fi
ceper
sonnelofS.
Y.2016-
2017.Ther
esear
cher
ssel
ect
edf
ourhundr
ed

(
400)r
espondent
stoanswert
hesur
veyquest
ionnai
res.Thet
otalpopul
ati
onoft
he

gr
aduat
ingst
udent
sis405andt
heempl
oyeeswhet
hert
eachi
ngornon-
teachi
ngi
s173.

The t
otalpopul
ati
on si
ze i
s 578.
Consi
der
ing t
he di
ff
erentt
ime schedul
es oft
he

r
espondent
s,t
her
esear
cher
susedNon-
probabi
l
itysampl
i
ngt
echni
que,speci
fi
cal
l
y,t
he

pur
posi
vesampl
i
ngmet
hodofnon-
propor
ti
onal
quot
asampl
i
ng.

Ther
esear
cher
sspeci
fi
edt
hemi
nimum numberofsampl
eduni
tst
heywanti
n

eachcour
seoroccupat
ion.Ther
esear
cher
sar
enotconcer
nedwi
thhav
ingnumber
s

t
hatmat
cht
hepr
opor
ti
onsi
nthepopul
ati
on.I
nst
ead,t
heysi
mpl
ywantt
ohav
eenough

t
oassur
ethatt
heyar
eabl
etot
alkaboutev
ensmal
lgr
oupsi
nthepopul
ati
on.Thenon-

pr
obabi
l
ist
icanal
ogueofst
rat
if
iedr
andom sampl
i
ngi
nthati
tist
ypi
cal
l
yusedt
oassur
e

t
hatsmal
l
ergr
oupsar
eadequat
elyr
epr
esent
edi
nasampl
e.

Ther
esear
cher
susedasampl
ecal
cul
atorf
rom t
heCr
eat
iveResear
chSy
stem

si
teasseeni
nFi
g.4t
ocomput
ethemar
ginofer
rorusi
ngat
argetr
espondentnumber

outoft
het
otal
popul
ati
on.Themar
ginofer
rori
sputi
ntopl
acesot
hatani
ndi
vi
dual
can

r
evi
ewr
esul
tsandt
hendet
ermi
net
hel
evelofaccur
acyoft
heexper
imentbyt
aki
ngt
his

+or-mar
ginofer
rori
ntoconsi
der
ati
on.Asmal
l
ermar
ginofer
rori
ndi
cat
est
rust
wor
thy

r
esul
tsandal
argermar
ginofer
rormeanst
her
esul
tsar
enotconsi
der
edasaccur
ate.

(
Busi
nessDi
cti
onar
y)Set
ti
ngat
argetof400outof578t
hemar
ginofer
rory
iel
dedwas

2.
72%whi
chmeanst
hatr
esul
tsobt
ainedf
rom t
het
argeti
saccur
ateandr
eli
abl
e.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 14
ds|

Fi
g.4Conf
idence I
nter
valoft
he
Resear
ch

Al
i
stoft
het
otal
andact
ual
respondent
sisshowni
nTabl
eB.

Tabl
eB.Respondent
s
Course/ Tot
al Act
ual
Occupati
on Popul
ati
on Respondent
s

MA 32 30
BSA 10 8
FM 71 64
MK 29 29
HRDM 11 7
HRM 24 24
TOUR 32 25
MASS 17 13
PSYCH 59 33
NARS 3 3
I
T 34 25
I
E 26 26
ECE 16 16
CPE 15 15
CRIM 26 19
TEACHING 106 27
NON
67 36
TEACHING

Al
lappr
opr
iat
elyf
ulf
il
led sur
vey quest
ionnai
res wi
l
lbe r
etr
iev
ed,pr
epar
ed,
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 15
ds|

or
gani
zed,
andcompi
l
edf
oranal
ysi
sofdat
a.

I
nst
rument
sandSour
cesofDat
a

Ther
esear
cher
swi
l
luset
hesur
veymet
hodi
ncol
l
ect
ingt
henecessar
ydat
a

neededi
nthi
sst
udy
.Thequest
ionsi
nthesur
veywer
eincheckl
i
stf
orm.Eachandev
ery

quest
ionshoul
dbeanswer
edbypl
aci
ngacheck(
✓)ont
heboxt
hatcor
respondst
o

t
hei
ranswer
s.

Thesur
veyquest
ionnai
rehast
wopar
ts.Thef
ir
stsetofquest
ionsper
tai
nedt
o

t
hedemogr
aphi
csoft
her
espondent
s,secondofwhi
char
ethemai
nquest
ions.I
tisa

t
abl
ewher
ether
espondent
srat
edt
hei
rlev
elofawar
enessaboutPay
mentCar
dsbased

ont
hef
act
orsgi
venbel
ow:

1.Cr
edi
tPay
mentCar
d

 Requi
rement
s:

1.Cr
edi
tcar
dappl
i
cant
sneedt
obr
ingv
ali
dIdent
if
icat
ioncar
dspr
efer
abl
y

gov
ernmenti
ssuedI
Dswi
thpi
ctur
eandsi
gnat
ure.

2.Cr
edi
tcar
dappl
i
cant
smustpr
esentpr
oofofi
ncomesuchast
hei
rlat
est

I
ncomet
axr
etur
n.

3.Newl
yempl
oyedCr
edi
tcar
dappl
i
cant
smaypr
esentt
hei
rCer
ti
fi
cat
eof

Empl
oymentort
hei
rmont
hly pay sl
i
p dat
ed si
x(6)mont
hs f
rom

appl
i
cat
ioni
npl
aceoft
hepr
oofofi
ncomer
equi
rement
soft
hebank.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 16
ds|

4.Housewi
vescanav
ailcr
edi
tcar
dappl
i
cat
ionasl
ongast
heyhav
ean

accountwi
tht
hebank(
ATM/
Passbook)wi
thami
nimum bal
anceoft
en

t
housandpesos(
Php10,
000)
.

5.Ther
eisat
ypeofcr
edi
tcar
dcal
l
edXSt
artorExpr
essSt
artwher
ein

appl
i
cant
sdonotneedt
osubmi
tanyi
ncomedocument
s.

 Pr
ocess:

1.Af
tercompl
eti
onandsubmi
ssi
onoft
hecr
edi
tcar
dappl
i
cat
ionf
orm wi
th

at
tachmentofr
equi
rement
s,t
he br
anch wi
l
lfor
war
ditt
othe Cr
edi
t

Depar
tmentoft
heHeadOf
fi
ceoft
heBanksf
orappr
oval
.

2.Acust
omerpr
ofi
l
echecki
sdoneasapr
econdi
ti
ont
otheappl
i
cat
ion.

3.Cr
edi
tcar
dappl
i
cat
iont
akesonet
otwo(
1-2)weeks.

4.Somecr
edi
tcar
dappl
i
cat
ionsar
erej
ect
edbecauseofnegat
ivedat
adue

t
orecor
dsofdebtordef
err
edpay
mentf
rom pr
iorbanks.

5.I
fther
eisnoupdat
eorr
epl
yfr
om t
heHeadOf
fi
ceaf
tert
wo(
2)weeks,
the

Appl
i
cat
ioni
sconsi
der
edt
ober
eject
ed.

 Ter
msandCondi
ti
ons:

1.Cr
edi
tCar
dli
miti
ssetbyt
hebank,butcanbeappr
aiseduponCl
i
ent
’s

r
equestduet
oincr
easeofi
ncome.Apr
e-f
ormat
tedl
ett
erwi
thnew pay

sl
i
pshal
lbepassedt
othebr
ancht
obeencodedandsentt
otheCr
edi
t

Car
ddepar
tmentoft
heHomeOf
fi
ce.

2.I
nusi
ngcr
edi
tcar
d,Per
sonal
Ident
if
icat
ionNumberi
snotr
equi
red.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 17
ds|

3.Duedat
eofCr
edi
tBi
l
lis21stdayaf
terCut
-of
fdat
e.

4.LostCr
edi
tCar
dsar
erepor
ted t
hrough f
ree f
ormat
ted l
ett
er,and an

i
nvest
igat
ionwoul
dtakepl
ace.

5.Requestf
ornew cr
edi
tcar
dincaseofl
ossi
swor
thf
ourhundr
edpesos

(
Php400)
.

6.I
nrequest
ingf
oranewcr
edi
tcar
d,t
empl
ateofi
nfor
mat
ionwoul
dbegi
ven

t
otheCr
edi
tCar
ddepar
tmentoft
hehomeof
fi
ce.

7.Youcanr
equestr
epl
acementofcr
edi
tanddebi
tcar
dst
hroughaphone

cal
l
.

8.Cr
edi
tCar
dcanonl
ybeusedupt
oit
scr
edi
tli
mitandwi
l
lonl
yneed

pay
mentandr
epl
eni
shmentofwhathasbeenused

9.Basi
sofcr
edi
tcar
dli
miti
stheappl
i
cat
ionqual
i
ficat
ionsanddocument
ed

sour
cesofi
ncome.

10.
Incl
osi
ngaCr
edi
tcar
daccount
,car
dhol
dermustpayt
hebal
ance,i
fany
,

t
henadv
icet
hebankt
hroughbr
anchorphonet
hensentt
othehome

br
anchv
iaemai
l
.Ther
equestwi
l
lbet
henpr
ocessedt
henextday
.

11.
Wit
hint
hef
ir
stt
hree(
3)mont
hsofnopay
mentaf
terduedat
e,t
hecar
dis

st
il
lusabl
eupt
oit
scr
edi
tli
mit
.Thecar
dwi
l
lbedi
sabl
edaf
tert
het
hir
d

mont
h.

 Adv
ant
ages:

1.Cr
edi
tCar
dandDebi
tcar
dissaf
erandeasi
ert
ocar
ryt
hancash.

2.Cr
edi
tcar
dtr
ansact
ionsonl
yrequi
reaswi
pegest
ure.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 18
ds|

3.Unusedcr
edi
tli
mitcanbecar
ri
edov
er.

4.Cr
edi
tCar
dhasnomi
nimum y
ear
sofusage.

5.Cr
edi
tCar
d’sannual
feei
sfr
eeont
hef
ir
sty
ear
.

 Di
sadv
ant
ages:

1.Cr
edi
tcar
dhasanexpi
rat
iondat
e.Buti
tdoesnotneedr
enewalf
or

mont
hspr
iort
otheexpi
rat
ion;anew car
dwi
l
lbei
ssueddi
rect
lyt
othe

car
dhol
der
.

 Adv
ert
isement
s:

1.Cr
edi
tandDebi
tCar
dadv
ert
isement
scanbeseent
hroughBr
ochur
es,

BankWebsi
tes,
Facebook,
TVCommer
cial
sandBr
anchPer
sonnel
.

 Bi
l
li
ng:

1.Pay
mentofCr
edi
tCar
dbi
l
lscanbemadet
hrought
heBanki
tsel
f,Onl
i
ne

Banki
ngSer
vices,
Onl
i
neMoneyTr
ansf
er,
Banki
ngAppl
i
cat
ions,
CAM Cash

Accept
ingMachi
nesort
hroughATM

2.Annualf
eesar
eal
sochar
gedbaseont
het
ypeofCr
edi
tcar
dyouhol
d,

ev
enwi
thoutusi
ngt
hecar
daf
teray
earofappr
oval
.

3.Af
requentcr
edi
tcar
dusercanr
equestf
orawai
vert
oremov
efees.The

r
equesti
ssubj
ectf
orappr
oval
.

4.Duedat
eofcr
edi
tbi
l
lis20-
30day
saf
tercut
-of
fdat
e.

he4thmont
5.Ont hor90thdayaf
terduedat
eandt
her
eisnor
esponsef
rom

t
he car
dhol
der
,the accountwi
l
lbe t
ransf
err
ed t
oal
aw f
ir
m t
o be
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 19
ds|

pr
ocessed.

6.Ani
nter
estpermont
hwi
l
laccumul
ateasl
ongast
hebi
l
lisnoty
etpai
d.

2. Debi
tPay
mentCar
d

 Requi
rement
s:

1.Debi
tcar
dappl
i
cant
sneedt
ofi
l
lupcust
omeri
nfor
mat
ionsheet
,si
gn

si
gnat
urecar
dwi
tht
hree(
3)speci
mensi
gnat
ures,andv
ali
dIdent
if
icat
ion

car
dspr
efer
abl
ygov
ernmenti
ssuedI
Dswi
thpi
ctur
e.

2.Debi
tcar
dmaybeaj
ointormul
ti
pleowneraccountwhi
chi
ssubj
ectf
or

appr
oval
;theseaccount
sal
soneedt
hree(
3)speci
mensi
gnat
uresf
rom

eachaccounthol
der
.

3.Debi
tcar
dappl
i
cant
smustpr
esentpr
oofofbi
l
li
ngf
rom Mer
alco,
May
nil
ad,

et
c.f
ort
heBankt
oguar
ant
eet
hatt
headdr
esst
heappl
i
cant
spr
ovi
dedi
s

t
ruesot
heBankcansendt
hanky
oul
ett
erorupdat
esaboutt
heaccount
.

 Pr
ocess:

1.Debi
tcar
d appl
i
cat
ions ar
e pr
ocessed on t
he bank’
s br
anch wher
e

cust
omeri
nfor
mat
ionsheeti
scompl
etedandf
il
ed.

2.The Bank’
s cust
omerser
vice sect
ion super
vised byt
he Manageror

Assi
stantManagerpr
ocessest
heDebi
tCar
dappl
i
cat
ions.

3.Pr
ocessofdebi
tcar
dtakest
hree(
3)wor
kingday
s.Del
i
ver
yofdebi
tcar
d
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 20
ds|

i
sev
eryMonday
,WednesdayorFr
iday
.

4.Whendebi
tcar
dappl
i
cat
ioni
saccept
ed,car
dhol
der
smayi
mmedi
atel
y

deposi
tfundsev
ent
hought
hecar
disnoty
etonhand.

 Ter
msandcondi
ti
ons:

1. Debi
tCar
drequi
res a mai
ntai
ning bal
ance oft
hree t
housand pesos

(
Php3000)
.

2.Fal
l
ingbel
ow Debi
tCar
d’smai
ntai
ningbal
ancemayormaynoty
iel
dto

char
gesdependi
ngont
hebank.

3.Ther
eisaDebi
tCar
dEasySav
erwher
ether
eisnomai
ntai
ningbal
ance

r
equi
rementbutaser
vicechar
geoff
ivepesos(
Php5)i
scompensat
ed

ev
erywi
thdr
awal
andpur
chases.

4.Ther
eisal
soar
emi
tt
ancecar
dtr
eat
edasdebi
tcar
dforOv
erseasFi
l
ipi
no

Wor
ker
swher
ether
eisnomai
ntai
ningbal
anceandser
vicechar
gebutt
he

r
emi
tt
ancemustber
egul
ar,i
fther
eisnor
emi
tt
anceaf
ter3mont
hs,t
he

r
emi
tt
ancecar
dwi
l
lbeconv
ert
edt
oregul
ardebi
tcar
dwhi
chr
equi
res

t
hreet
housandpesos(
Php3000)ofmai
ntai
ningbal
ance.

5.Debi
tCar
drequi
resPI
Nwhenused

6.Amount
sfr
om t
heusageofDebi
tCar
dwoul
dbededuct
edaut
omat
ical
l
y

f
rom t
hecar
dhol
der
’saccount(
Sav
ings/
Cur
rent
)

7.Requestf
ornewdebi
tcar
dincaseofl
oss,
damageorf
orgotPI
Niswor
th

onehundr
edpesos(
Php100)
.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 21
ds|

8.I
nrequest
ingf
oranewdebi
tcar
d,y
ouhav
etoi
nfor
mtheBankBr
anchand

f
il
lupt
hef
orm“
Requestf
orRepl
acement
”andi
ndi
cat
ether
easonf
or

r
equest
ingnewcar
d.Af
ter3day
sthecar
dwoul
dal
readybeav
ail
abl
e.

9.Usi
ngdebi
tcar
dissameaswi
thdr
awi
ngcashf
rom y
ourbankaccount
.

10.
Tocl
osedebi
tcar
daccount
,car
dhol
dermustwi
thdr
awal
lcashadv
ance.

11.
To Zer
o Debi
tCar
d bal
ance,i
tcan be wi
thdr
awn t
hrough ATM but

pr
efer
abl
yov
er-
the-
count
ert
ogetal
linexactf
igur
essi
nceATM’
slowest

denomi
nat
iondi
spensei
sonehundr
edpesos(
Php100)

12.
Debi
tcar
dst
art
edasATM car
ds.Tr
ansi
ti
onsal
readyst
art
edbutnot
if
ying

t
hepubl
i
caboutt
hechangei
sdel
ayed.

13.
Toav
oiddebi
tandcr
edi
tcar
dhackerr
isks,banksf
ormr
iskmanagement

depar
tment
stoav
oidandcombatt
echnol
ogi
cal
syndi
cat
es.

14.
Debi
tcar
dsunused f
ort
wo (
2)y
ear
s,wi
thoutanyact
ivi
ti
eswhet
her

deposi
torwi
thdr
awali
sconsi
der
edador
mant
.Ifused,t
ransact
ionswi
l
l

notbeal
l
owed r
ightaway
.Car
dhol
dermustgo t
othebr
anch wher
e

accountwasest
abl
i
shedandupdat
ethecust
omeri
nfor
mat
ionf
orm,and

si
gnat
urecar
dthendoamonet
aryt
ransact
ion(
Deposi
t/
Wit
hdr
awal
).

15.
Ther
ewi
l
lbeear
ningsof0.
25%perannum i
ntheaccount
.

 Adv
ant
ages:

1.Nol
i
abi
l
itywi
l
lar
isei
nusi
ngdebi
tcar
dsf
ort
hepay
menti
saut
omat
ical
l
y

pai
dbyt
hecar
dhol
der
’saccountbal
ance.

2.Theonl
i
neadj
ust
mentofdebi
tandcr
edi
tcar
dbal
ancei
srealt
imeper
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 22
ds|

swi
pe/t
ransact
ion

3.Usi
ngdebi
tandcr
edi
tcar
dlet
suser
stopayexactamountandnotcar
ry

bul
kchangeaf
terpur
chaset
ransact
ions.

4.Ther
eisnodebi
tcar
dexpi
rat
ion.

5.Debi
tandCr
edi
tcar
dwhenl
ostcanbeeasi
l
yrepor
ted,i
nvest
igat
edand

r
etur
ned,
whi
l
elosi
ngmoneyi
snot
.

6.Undi
sper
sedmoneyusi
ngdebi
tcar
dcanber
epor
tedandcr
edi
tedbackt
o

t
heaccount

 Di
sadv
ant
ages:

1.Onceof
fl
ine,
thet
ransact
iont
hrudebi
tandcr
edi
tcar
dwi
l
lnotpr
ocess.

2.Ther
eisr
isksi
nusi
ngdebi
tandcr
edi
tpay
mentcar
ds,duet
othehacker
s

whoputdev
icesont
hemachi
nest
ocopyi
nfor
mat
ion

 Bi
l
li
ng:

1.Ther
eisnobi
l
li
ngsi
ncet
hemoneyi
sdeduct
eddi
rect
lyf
rom t
heuser
’s

bankaccountwhenper
for
mingat
ransact
ion.

Ther
esear
chusedbot
hpr
imar
yandsecondar
ysour
cesofdat
a.Thepr
imar
y

sour
cesar
ethei
nfor
mat
iongat
her
edf
rom t
hei
nfor
mat
ionali
nter
view t
oMr
.Jessi
e

Vi
l
lanuev
awhi
chbecamet
hei
nfor
mat
ionalcheckl
i
stt
ocheckt
hel
evelofawar
enessof

anot
herpr
imar
ysour
cewhi
chi
sthesur
veyr
espondent
s.Thesur
veyr
espondent
sof

400consi
stofgr
aduat
ingst
udent
s,t
eachi
ngandnon-
teachi
ngper
sonnel
.Gr
aduat
ing
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 23
ds|

St
udent
s ar
e sub-
div
ided i
ntot
he f
oll
owi
ng cour
ses:Management Account
ing,

Account
ancy
,Fi
nanci
alManagement
,Mar
ket
ing,Human Resour
ce Dev
elopment

Management
,Hot
eland Rest
aur
antManagement
,Tour
ism,MassCommuni
cat
ions,

Psy
chol
ogy
,Nur
sing,I
nfor
mat
ion Technol
ogy
,Indust
ri
alEngi
neer
ing,El
ect
roni
cs

Communi
cat
ionEngi
neer
ing,
andComput
erEngi
neer
ing.

Fort
hesecondar
ysour
ceofdat
a,t
her
esear
cher
susedt
hei
nter
netandot
her

f
ormerst
udi
esasasour
ceofi
nfor
mat
ion.Thei
nfor
mat
ionder
ivedf
rom t
hear
ti
cles

andst
udi
eswasusedt
oest
abl
i
sht
hebackgr
oundoft
hisr
esear
chst
udy
,tof
indr
elat
ed

l
i
ter
atur
ethatwi
l
lsuppor
tther
esear
chst
udyandt
oident
if
ythepr
obl
em oft
her
esear
ch

st
udy
.

Dat
aCol
l
ect
ion

The r
esear
cher
s gat
her
ed i
nfor
mat
ion by per
sonal
l
y di
str
ibut
ing t
he sur
vey

quest
ionnai
rest
oeachr
espondentar
oundSanSebast
ianCol
l
ege-
Recol
etosdeCav
ite

Mai
nCampus.Ther
esear
cher
scont
act
edt
heAssi
stantBr
anchManagerofBankoft
he

Phi
l
ippi
neI
slands,
Cav
iteCi
tyBr
ancht
oint
roducet
hem t
othepr
ocessanddi
ff
erenceof

t
het
wo pay
mentcar
dsnamel
y,cr
edi
tand debi
tpay
mentcar
ds.Ther
esear
cher
s

r
equest
edf
oraut
hor
izat
iont
oconductani
nter
view.Theaut
hor
izat
iont
oconducta

sur
veyneedst
obeappr
ovedbyt
her
esear
chadv
iser
.Thet
argetr
espondent
swer
e

basedont
hel
i
stgi
venbyt
heHROf
fi
ceseeAppendi
xVIandRegi
str
ar’
sOf
fi
cesee

Appendi
xVI
I.The r
esear
cher
s cont
act
ed sev
eralper
sons on t
he l
i
stt
o gett
hei
r
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 24
ds|

schedul
eandav
ail
abi
l
ityf
oranswer
ingt
hesur
veyf
orms.

Ther
esear
cher
sst
art
ed t
oroam ar
ound t
heSSC-
RdC’
spr
emi
sessi
ncet
he

r
esear
cher
s al
readyknow t
he of
fi
ces,schedul
es and r
oom assi
gnment
s oft
hei
r

r
espondent
s.I
nthesai
ddat
agat
her
ing,t
her
esear
cher
str
avel
edandr
equest
edeach

empl
oyeesandst
udent
stoanswert
hesur
veyquest
ionnai
re.

Thr
oughext
ensi
veef
for
t,t
her
esear
cher
saccompl
i
shedal
lfourhundr
ed(
400)

r
espondent
s. The r
esear
cher
s col
l
ect
ed t
he sur
vey quest
ionnai
res af
ter ev
ery

r
espondentf
ini
shedanswer
ing.

The r
espondent
s wer
e gi
ven suf
fi
cient t
ime t
o r
espond i
nthe sur
vey

quest
ionnai
re.Ther
ewer
efourhundr
ed(
400)sur
veyquest
ionnai
resdi
str
ibut
edandal
l

oft
he quest
ionnai
res wer
eret
ri
eved.The dat
a gat
her
ing t
ook pl
ace f
orf
ive(
5)

consecut
iveday
s.

Dat
aAnal
ysi
s

Ther
esear
cher
swi
l
luset
heSt
ati
sti
calPr
oductandSer
viceSol
uti
onsof
twar
ein

anal
yzi
ngt
hest
ati
sti
caldat
a.Fr
equency
,Cr
ossTabul
ati
on,Wei
ght
edMean,One-
way

ANOVAandPost
-hoct
estwer
eusedast
oint
erpr
ett
her
esul
tsandf
indi
ngsoft
hest
udy
.

RESULTSANDDI
SCUSSI
ONS

Thesur
veyi
nvol
ved400r
espondent
swhoar
ethegr
aduat
ingst
udent
s,t
eachi
ng

andnon-
teachi
ngper
sonnelofSanSebast
ianCol
l
ege-
Recol
etosdeCav
ite.Li
ker
tScal
e

wasut
il
izedt
odet
ermi
net
heper
cei
vedl
evelawar
enessoft
her
espondent
sbasedon
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 25
ds|

t
heFeat
uresofCr
edi
tandDebi
tPay
ment
sCar
dsast
oit
sRequi
rement
s,Appl
i
cat
ion

Pr
ocess,
Bil
l
ing,
Ter
msandCondi
ti
onsaswel
last
hewi
l
li
ngnesst
oset
upaf
terknowi
ng

t
hef
act
ual
inf
ormat
ionst
atedi
nthesur
veyquest
ionnai
re.

Themai
nit
em i
nthest
udyf
ocusedondet
ermi
ningt
heawar
enessl
eveloft
he

r
espondent
s,speci
fi
cal
l
y when t
hey ar
e gr
ouped accor
ding t
o t
he i
dent
if
ied

demogr
aphi
cchar
act
eri
sti
cs.Bel
owar
ether
esul
tsoft
heanal
ysi
s.

Anal
ysi
sandI
nter
pret
ati
onofDat
a

Demogr
aphi
csofRespondent
s

Tabl
e1.
1.1showst
hatoutoft
he400r
espondent
s,t
her
ewer
e286(
71.
5%)f
rom

21andunder
,76(
19.
0%)f
rom 22-
34,21(
5.3%)f
rom 35-
44,11(
2.8%)f
rom 45-
54,4

(
1.0%)f
rom 55-
64,
and2(
0.5%)f
rom 65andabov
eaccor
dingt
oage.

Tabl
e1.
1.1–Di
str
ibut
ionofRespondent
sbyAge
Fr
equency Per
cent
21and 286 71.5
under
22-34 76 19.
0
35-44 21 5.
3
45-54 11 2.
8
55-64 4 1.
0
65and 2 .
5
above
Total 400 100.
0

Tabl
e1.
1.2showst
hatoutoft
he400r
espondent
s,t
her
ewer
e151(
37.
8%)mal
es,

and249(
62.
3%)f
emal
esaccor
dingt
ogender
.

Tabl
e1.
1.2–Di
str
ibut
ionofRespondent
sby
Gender
Fr
equency Per cent
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 26
ds|

Male 151 37.8

Female 249 62.3
Tot
al 400 100.
0

Tabl
e1.
1.3showst
hatoutoft
he400r
espondent
s,t
her
ewer
e373(
93.
9%)si
ngl
e,

26(
6.5%)mar
ri
ed,
and1(
0.3%)f
rom accor
dingt
omar
it
alst
atus.

Tabl
e1.
1.3–Distr
ibut
ionofRespondent
sbyMari
talSt
atus
  Frequency Percent
Si
ngle 373 93.3
Married 26 6.5
Separate 1 .3
d
Total 400 100.0

Tabl
e1.
1.4showst
hatoutoft
he400r
espondent
s,t
her
ewer
e337(
84.
3%)

st
udent
sand63(
15.
8%)accor
dingt
ooccupat
ion.

Tabl
e1.
1.4–Distr
ibut
ionofRespondentsbyOccupat
ion
  Frequency Percent
Student 337 84.3
Wor ki
ng 63 15.8
Total 400 100.0
Tabl
e1.
1.5showst
hatoutoft
he400r
espondent
s,t
her
ewer
e30(
7.5%)f
rom

ManagementAccount
ing,8 (
2.0%)f
rom Account
ancy
,64 (
16.
0%)f
rom Fi
nanci
al

Management
,29(
7.3%)f
rom Mar
ket
ing,7(
1.8%)f
rom HumanResour
ceDev
elopment

Management
,24 (
6.0%)f
rom Hot
eland Rest
aur
antManagement
,25 (
6.3%)f
rom

Tour
ism,13(
3.3%) f
rom ABCommuni
cat
ions,33(
8.3%)f
rom Psy
chol
ogy
,3(
0.8%)

f
rom Nur
sing,25 (
6.3%)f
rom I
nfor
mat
ion Technol
ogy
,26 (
6.5%)f
rom I
ndust
ri
al

Engi
neer
ing,16 (
4.0%)f
rom El
ect
roni
csCommuni
cat
ionEngi
neer
ing,15(
3.8%)f
rom

Comput
erEngi
neer
ing,19(
4.8%)f
rom Cr
imi
nol
ogy
,27(
6.8%)f
rom Teachi
ng,and36

(
9.0%)f
rom Non-
Teachi
ngaccor
dingt
ocour
seandt
ypeofwor
k.

Tabl
e1.
1.5–Dist
ri
but
ionofRespondentsbyCourseorWor
king
  Frequency Percent
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 27
ds|

MA 30 7.5
BSA 8 2.0
FM 64 16.0
MK 29 7.3
HRDM 7 1.8
HRM 24 6.0
TOUR 25 6.3
MASS 13 3.3
PSYCH 33 8.3
NARS 3 .8
IT 25 6.3
IE 26 6.5
ECE 16 4.0
CPE 15 3.8
CRIM 19 4.8
TEACHI NG 27 6.8
NON 36 9.0
TEACHI NG
Total 400 100. 0
Tabl
e1.
1.6showsthatoutoft
he400r
espondent
s,therewer
e65(
16.
3%)f
rom

bel
ow 10000,210(
52.
5%)f
rom 10000-
30000,97(
24.
3%)f
rom 30001-
70000,and28

(
7.0%)f
rom abov
e70000accor
dingt
omont
hlysal
ary
.

Tabl
e1.
1.6–Dist
ribut
ionofRespondent
sbyMont hl
ySal
ary
  Fr
equency Per cent
bel
ow 65 16.3
10,
000
10,
000- 210 52.5
30,
000
30,
001- 97 24.3
70,
000
above 28 7.0
70,
000
Total 400 100.0

Tabl
e1.
2.1showst
hatoutoft
he400r
espondent
s,241(
60.
3%)sai
dyesand159

(
39.
8%)sai
dnoi
nseei
ngorhear
ingcar
dpay
mentadv
ert
isement
sint
elev
isi
ons.

Tabl
e1.
2.1–Dist
ri
but
ionofRespondent
sbyTV
  Fr
equency Percent
Yes 241 60.3
No 159 39.8
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 28
ds|

Tot
a 400 100.
0
l

Tabl
e1.
2.2showst
hatoutoft
he400r
espondent
s,233(
58.
3%)sai
dyesand167

(
41.
8%)sai
dnoi
nseei
ngorhear
ingcar
dpay
mentadv
ert
isement
sinmal
l
s.

Tabl
e1.
2.2–Dist
ri
buti
onofRespondentsbyMal
l
s
  Fr
equency Percent
Yes 233 58.3
No 167 41.8
Tot
a 400 100.0
l

Tabl
e1.
2.3showst
hatoutoft
he400r
espondent
s,37(
9.3%)sai
dyesand363

(
90.
8%)sai
dnoi
nhear
ingcar
dpay
mentadv
ert
isement
sinr
adi
o.

Tabl
e1.
2.3–Distr
ibut
ionofRespondentsbyRadi
o
  Frequency Percent
Yes 37 9.3
No 363 90.8
Tota 400 100.0
l
Tabl
e1.
2.4showst
hatoutofthe400respondent
s,148(37.
0%)sai
dyesand252

(
63.
0%)sai
dnoi
nseei
ngcar
dpay
mentadv
ert
isement
sinbr
ochur
es.

Tabl
e1.
2.4–Dist
ri
buti
onofRespondentsbyBr
ochur
es
  Fr
equency Percent
Yes 148 37.0
No 252 63.0
Tota 400 100.0
l

Tabl
e1.
2.5showst
hatoutoft
he400r
espondent
s,208(
52.
0%)sai
dyesand192

(
48.
0%)sai
dnoi
nseei
ngorhear
ingcar
dpay
mentadv
ert
isement
sinsoci
almedi
a.

Tabl
e1.
2.5–Di
str
ibut
ionofRespondentsbySoci
alMedi
a
Frequenc
  y Per
cent
Yes 208 52.
0
No 192 48.
0
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 29
ds|

Tot
al 400 100.
0

Tabl
e1.
2.6¬showst
hatoutoft
he400r
espondent
s,6(
1.5%)sai
dyesand394

(
98.
5%)sai
dnoi
nnotseei
ngcar
dpay
mentadv
ert
isement
sinanypl
atf
orms.

Tabl
e1.
2.6¬–Di
str
ibuti
onofRespondentsbyNone
Frequenc
  y Percent
Yes 6 1.5
No 394 98.5
Tot
al 400 100. 0

Tabl
e1.
2.7showst
hatoutoft
he400r
espondent
s,(
133.
3%)sai
dyesand387

(
96.
8%)sai
dnoi
nseei
ngcar
dpay
mentadv
ert
isement
sinot
herpl
atf
orms.

Tabl
e1.
2.7–Dist
ri
buti
onofRespondentsbyOt
her
s
  Fr
equency Percent
Yes 13 3.3
No 387 96.8
Tot
al 400 100. 0

Awar
enessLev
el

Tabl
e2.
1.2.
1showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

241 (
97 f
rom mal
es,144 f
rom f
emal
es) usual
l
y see or hear pay
ment car
d

adv
ert
isement
sint
elev
isi
ons,
159(
54f
rom mal
es,
105f
emal
es)donot
.

Table2.1.2.1
CrossTabulat
ionofGenderandTV
Ads
TV
  Yes No Tot al
Gender Mal e 97 54 151
Female 144 105 249
Total 241 159 400

Tabl
e2.
1.2.
2showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

233 (
76 f
rom mal
es,157 f
rom f
emal
es) usual
l
y see or hear pay
ment car
d
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 30
ds|

adv
ert
isement
sinmal
l
s,167(
75f
rom mal
es,
92f
emal
es)donot
.

Tabl
e2. 1.2.
2
CrossTabul
ati
onofGenderandMal
l
Ads
Mall
s
  Yes No Total
Gender Male 76 75 151
Femal 157 92 249
e
Total 233 16 400
7

Tabl
e2.
1.2.
3showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

37(
20f
rom mal
es,17f
rom f
emal
es)usual
l
yhearpay
mentcar
dadv
ert
isement
sin

r
adi
os,
363(
131f
rom mal
es,
232f
emal
es)donot
.

Table2.
1.2.
3
CrossTabul
ationofGenderandRadio
Ads
Radio
Ye
  s No Total
Gende Mal e 20 13 151
r 1
Female 17 23 249
2
Total 37 36 400
3

Tabl
e2.
1.2.
4showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

148(
53f
rom mal
es,95f
rom f
emal
es)usual
l
yseepay
mentcar
dadv
ert
isement
sin

br
ochur
es,
252(
98f
rom mal
es,
154f
emal
es)donot
.

Table2.1.2.
4
Cr
ossTabul
ationofGenderand
Brochures
Brochur
e
s
  Yes No Total
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 31
ds|

Gender Male 53 98 151

Femal 95 15 249
e 4
Total 148 25 400
2

Tabl
e2.
1.2.
5showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

208 (
74 f
rom mal
es,134 f
rom f
emal
es) usual
l
y see or hear pay
ment car
d

adv
ert
isement
sinsoci
almedi
a,192(
77f
rom mal
es,
115f
emal
es)donot
.

Table2.1.
2.5
Cr
ossTabul
ati
onofGenderandSoci
alMedia
Ads
Soci
al
Media
  Yes No Total
Gender Male 74 77 151
Female 134 115 249
Total 208 192 400

Tabl
e2.
1.2.
6showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,6

(
3fr
om mal
es,
3fr
om f
emal
es)donotusual
l
yseeorhearpay
mentcar
dadv
ert
isement
s

i
nanypl
atf
orms,
394(
148f
rom mal
es,
246f
emal
es)do.

Table2.1.2.
6
Cr
ossTabul
ati
onofGenderandNone
Ads
None
  Yes No Tot
al
Gende Male 3 14 151
r 8
Female 3 24 249
6
Total 6 39 400
4

Tabl
e2.
1.2.
7showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

13(
3fr
om mal
es,
10f
rom f
emal
es)usual
l
yseeorhearpay
mentcar
dadv
ert
isement
sin

ot
herpl
atf
orms,
387(
148f
rom mal
es,
239f
emal
es)donot
.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 32
ds|

Tabl
e2.1.2.
7
CrossTabul
ati
onofGenderandOthers
Ads
Others
  Yes No Total
Gender Male 3 14 151
8
Femal 10 23 249
e 9
Total 13 38 400
7

Tabl
e2.
1.1.
1showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,455-
64,and265andabov
e),241(
181f
rom 21andunder
,41f
rom

22-
34,
11f
rom 35-
44,
7fr
om 45-
54,
and1f
rom 55-
64)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sint
elev
isi
ons,
159(
105f
rom 21andunder
,35f
rom 22-
34,
10f
rom 35-

44,
4fr
om 45-
54,
3fr
om 55-
64,
and2f
rom 65andabov
e)donot
.

Tabl
e2.1.
1.1
CrossTabulati
onofAgeandTVAds
TV Tota
  Yes No l
Age 21and 181 10 286
under 5
22-34 41 35 76
35-44 11 10 21
45-54 7 4 11
55-64 1 3 4
65and 0 2 2
above
Total 241 15 400
9

Tabl
e2.
1.1.
2showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,455-
64,and265andabov
e),233(
175f
rom 21andunder
,35f
rom

22-
34,
17f
rom 35-
44,
3fr
om 45-
54,
1fr
om 55-
64,
and2f
rom 65andabov
e)usual
l
ysee

orhearpay
mentcar
dadv
ert
isement
sinmal
l
s,167(
111f
rom 21andunder
,41f
rom 22-
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 33
ds|

34,
4fr
om 35-
44,
845-
54,
355-
64,
and065andabov
e)donot
.

Tabl
e2.
1.1.2
CrossTabulati
onofAgeandMal
l
Ads
Mall
s Tota
  Yes No l
Age 21and 175 11 286
under 1
22-34 35 41 76
35-44 17 4 21
45-54 3 8 11
55-64 1 3 4
65and 2 0 2
above
Total 233 16 400
7

Tabl
e2.
1.1.
3showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,
455-
64,
and265andabov
e),37(
28f
rom 21andunder
,5f
rom 22-
34,

3f
rom 35-
44,and1f
rom 55-
64)usual
l
yhearpay
mentcar
dadv
ert
isement
sinr
adi
os,

363(
258f
rom 21andunder
,71f
rom 22-
34,
18f
rom 35-
44,
11f
rom 45-
54,
3fr
om 55-

64,
and265andabov
e)donot
.

Table2.1.1.
3
Cr
ossTabulat
ionofAgeandRadi
o
Ads
Radi
o
  Yes No Total
Ag 21and 28 25 286
e under 8
22-34 5 71 76
35-44 3 18 21
45-54 0 11 11
55-64 1 3 4
65and 0 2 2
above
Tot
al 37 36 400
3

Tabl
e2.
1.1.
4showst
hatoutof400r
espondent
s(28621andunder
,76 22-
34,
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 34
ds|

2135-
44,1145-
54,
455-
64,
and265andabov
e),148(
96f
rom 21andunder
,31f
rom

22-
34,12f
rom 35-
44,7f
rom 45-
54,and 2f
rom 55-
64)usual
l
yseepay
mentcar
d

adv
ert
isement
sinbr
ochur
es,
252(
190f
rom 21andunder
,45f
rom 22-
34,
9fr
om 35-
44,

4f
rom 45-
54,
2fr
om 55-
64,
and265andabov
e)donot
.

Table2.1.1.
4
Cr
ossTabulat
ionofAgeandBrochur
e
Ads
Brochure
s
  Yes No Total
Ag 21and 96 19 286
e under 0
22-34 31 45 76
35-44 12 9 21
45-54 7 4 11
55-64 2 2 4
65and 0 2 2
above
Tot
al 148 25 400
2

Tabl
e2.
1.1.
5showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,
455-
64,
and265andabov
e),208(
157f
rom 21andunder
,35f
rom 22

-
34,13f
rom 35-
44,2f
rom 45-
54,and1f
rom 55-
64)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sinsoci
almedi
a,192(
129f
rom 21andunder
,41f
rom 22-
34,
8fr
om 35

-
44,
9fr
om 45-
54,
3fr
om 55-
64,
and2f
rom 65andabov
e)donot
.

Tabl
e2.1.
1.5
Cr
ossTabulat
ionofAgeandSoci
alMedia
Ads
Soci
al
Media
  Yes No Total
Ag 21and 157 129 286
e under
22-34 35 41 76
35-44 13 8 21
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 35
ds|

45-54 2 9 11
55-64 1 3 4
65and 0 2 2
above
Tot
al 208 192 400

Tabl
e2.
1.1.
6showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,
455-
64,
and265andabov
e),6(
4fr
om 21andunder
,and2f
rom 22-

34)donotusual
l
yseeorhearpay
mentcar
dadv
ert
isement
sinanypl
atf
orms,
394(
282

f
rom 21andunder
,74f
rom 22-
34,21f
rom 35-
44,11f
rom 45-
54,4f
rom 55-
64,and2

f
rom 65andabov
e)do.

Tabl
e2.1.1.
6
Cr
ossTabulati
onofAgeandNone
Ads
None Tot a
  Yes No l
Age 21and 4 28 286
under 2
22-34 2 74 76
35-44 0 21 21
45-54 0 11 11
55-64 0 4 4
65and 0 2 2
above
Tot
al 6 39 400
4

Tabl
e2.
1.1.
7showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,
455-
64,
and265andabov
e),13(
6fr
om 21andunder
,2f
rom 22-
34,

2f
rom 35-
44,1f
rom 45-
54, and2f
rom 55-
64)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sinot
herpl
atf
orms,387(
280f
rom 21andunder
,74f
rom 22-
34,
19f
rom

35-
44,10f
rom 45-
54,
2fr
om 55-
64,
and2f
rom 65andabov
e)donot
.

Tabl
e2.
1.1.
7
Cr
ossTabul
ati
onofAgeandOt
her
s
Ads
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 36
ds|

Other
s
  Yes No Total
Age 21and 6 28 286
under 0
22-34 2 74 76
35-44 2 19 21
45-54 1 10 11
55-64 2 2 4
65and 0 2 2
above
Tot
al 13 38 400
7

Tabl
e2.
1.3.
1showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,241(
228f
rom si
ngl
es,13f
rom mar
ri
ed)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sint
elev
isi
ons,
159(
145f
rom si
ngl
es,
13f
rom mar
ri
ed,
1fr
om separ
ated)

donot
.

Table2.
1.3.1
CrossTabul
ati
onofMar i
talStat
usandTV
Ads
TV
  Yes No Tot al
Mar i
tal Si
ngle 228 14 373
Status 5
Marri
ed 13 13 26
Separat
e 0 1 1
d
Total 241 15 400
9

Tabl
e2.
1.3.
2showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,233(
218f
rom si
ngl
es,15f
rom mar
ri
ed)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
smal
l
s,167(
155f
rom si
ngl
es,
11f
rom mar
ri
ed,
1fr
om separ
ated)donot
.

Tabl
e2.
1.3.
2
Cr
ossTabul
ati
onofMarit
alSt
atusandMal
l
Ads
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 37
ds|

Mal
l
s
  Yes N o Total
Mari
tal
Stat
us Si
ngle 218 15 373
5
Marri
ed 15 11 26
Separ
ate 0 1 1
d
Tot
al 233 16 400
7

Tabl
e2.
1.3.
3showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,37 (
35 f
rom si
ngl
es,2 f
rom mar
ri
ed) usual
l
y hear pay
ment car
d

adv
ert
isement
sinr
adi
os,
363(
338f
rom si
ngl
es,
24f
rom mar
ri
ed,
and1f
rom separ
ated)

donot
.

Table2.1.3.
3
Cr
ossTabul
ati
onofMar it
alStatusandRadioAds
Radi
o Tot a
  Yes No l
Mari
tal
Status Single 35 338 373
Marri
ed 2 24 26
Separate 0 1 1
d
Tot
al 37 363 400

Tabl
e2.
1.3.
4showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,148(
132f
rom si
ngl
es,15f
rom mar
ri
ed,1f
rom separ
ated)usual
l
ysee

pay
mentcar
dadv
ert
isement
sinbr
ochur
es,
252(
241f
rom si
ngl
es,
11f
rom mar
ri
ed)do

not
.

Table2.
1.3.
4
CrossTabul
ati
onofMar it
alStatusandBr
ochure
Ads
Brochure
s
  Yes No Tot
al
Mari
tal Single 132 24 373
St
atus 1
Mar ri
ed 15 11 26
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 38
ds|

Separ
ate 1 0 1
d
Tot
al 148 25 400
2

Tabl
e2.
1.3.
5showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,208(
197f
rom si
ngl
es,10f
rom mar
ri
ed,1f
rom separ
ated)usual
l
yseeor

hearpay
mentcar
dadv
ert
isement
sinsoci
almedi
a,192(
176f
rom si
ngl
es,16f
rom

mar
ri
ed)donot
.

Table2.1.3.5
CrossTabul
ati
onofMar it
alSt at
usandSocial
MediaAds
Social
Media
  Yes No Total
Marit
alStat
us Si ngl
e 197 176 373
Mar r
ied 10 16 26
Separate 1 0 1
d
Total 208 192 400

Tabl
e2.
1.3.
6showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,6(
6fr
om si
ngl
es)donotusual
l
yseeorhearpay
mentcar
dadv
ert
isement
s

i
nanypl
atf
orms,
394(
367f
rom si
ngl
es,
26f
rom mar
ri
ed,
1fr
om separ
ated)do.

Table2.1.
3.6
CrossTabul
ati
onofMar it
alStatusandNone
Ads
None
  Yes No Tot al
Mari
talSt
atus Singl
e 6 36 373
7
Mar r
ied 0 26 26
Separate 0 1 1
d
Tot
al 6 39 400
4
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 39
ds|

Tabl
e2.
1.3.
7showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,13(
10f
rom si
ngl
es,3f
rom mar
ri
ed)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sinot
herpl
atf
orms,387(
363f
rom si
ngl
es,33f
rom mar
ri
ed,1f
rom

separ
ated)donot
.

Table2.
1.3.7
CrossTabul
ati
onofMar it
alStatusandOt
hers
Ads
Other
s
  Yes No Tot al
Mar i
tal Singl
e 10 36 373
Status 3
Mar r
ied 3 23 26
Separated 0 1 1
Total 13 38 400
7

Tabl
e2.
1.4.
1showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,241(
209f
rom st
udent
s,32f
rom wor
king)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sint
elev
isi
ons,
159(
128f
rom st
udent
s,31wor
king)donot
.

Tabl
e2.1.
4.1
CrossTabul
ati
onofOccupat
ionandTV
Ads
TV
  Yes No Tot al
Occupati
o Student 209 12 337
n 8
Worki
n 32 31 63
g
Total 241 15 400
9

Tabl
e2.
1.4.
2showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,233(
196f
rom st
udent
s,37f
rom wor
king)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sinmal
l
s,167(
141f
rom st
udent
s,26wor
king)donot
.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 40
ds|

Tabl
e2.1.4.2
CrossTabul
ati
onofOccupat i
onandMall
Ads
Mall
s
  Yes No Tot al
Occupati
o St udent 196 14 337
n 1
Wor ki
ng 37 26 63
Total 233 16 400
7

Tabl
e2.
1.4.
3showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,37 (
33 f
rom st
udent
s,4 f
rom wor
king) usual
l
y hear pay
ment car
d

adv
ert
isement
sinr
adi
os,
363(
304f
rom st
udent
s,59wor
king)donot
.

Table2.
1. 4.
2
Cr
ossTabul
ati
onofOccupat i
onandRadio
Ads
Radio
  Yes No Tot
al
Occupat
io Studen 33 30 337
n t 4
Wor ki
n 4 59 63
g
Total 37 36 400
3

Tabl
e2.
1.4.
4showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,148 (
117 f
rom st
udent
s,31 f
rom wor
king)usual
l
y see pay
mentcar
d

adv
ert
isement
sinbr
ochur
es,
252(
220f
rom st
udent
s,32wor
king)donot
.

Tabl
e2.1.4.
4
Cr
ossTabul
ati
onofOccupat i
onandBrochure
Ads
Brochure
s
  Yes No Total
Occupat
io Studen 117 22 337
n t 0
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 41
ds|

Wor
kin 31 32 63
g
Tot
al 148 25 400
2

Tabl
e2.
1.4.
5showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,208 (
182 f
rom st
udent
s,26 f
rom wor
king)usual
l
y see pay
mentcar
d

adv
ert
isement
sinsoci
almedi
a,192(
155f
rom st
udent
s,37wor
king)donot
.

Tabl
e2.1.4.5
Cr
ossTabul
ati
onofOccupationandSocialMedi
a
Ads
Social
Media
  Yes No Total
Occupat
io Studen 182 155 337
n t
Wor ki
n 26 37
g
Total 208 192 400

Tabl
e2.
1.4.
6showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,6(
6fr
om st
udent
s)donotusual
l
yseeorhearpay
mentcar
dadv
ert
isement
s

i
nanypl
atf
orms,
397(
331f
rom st
udent
s,63wor
king)do.

Tabl
e2.1.
4.6
Cr
ossTabul
ati
onofOccupati
onandNone
Ads
None
  Yes No Tot al
Occupat
ion St
uden 6 33 337
t 1
Worki
n 0 63 63
g
Total 6 39 400
4

Tabl
e2.
1.4.
7showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 42
ds|

wor
king)
,13(
6fr
om st
udent
s,7f
rom wor
king)usual
l
yseeorhearpay
mentcar
d

adv
ert
isement
sinot
herpl
atf
orms,
387(
331f
rom st
udent
s,56wor
king)donot
.

Table2.1.4.
7
CrossTabul
ationofOccupat i
onand
Others
Ot her
s
  Yes No Tot al
Occupati
o St uden 6 33 337
n t 1
Wor ki
n 7 56 63
g
Total 13 38 400
7

Tabl
e 2.
1.5.
1 shows t
hatoutof400 r
espondent
s,(
30 f
rom Management

Account
ingst
udent
s,8f
rom Account
ancyst
udent
s,64f
rom Fi
nanci
alManagement

st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom Human Resour
ce Dev
elopment

Managementst
udent
s,24f
rom Hot
elandRest
aur
antManagementst
udent
s,25f
rom

Tour
ism st
udent
s,13f
rom ABCommuni
cat
ionsst
udent
s,33f
rom Psy
chol
ogyst
udent
s,

3f
rom Nur
singst
udent
s,25f
rom I
nfor
mat
ionTechnol
ogyst
udent
s,26f
rom I
ndust
ri
al

Engi
neer
ingst
udent
s,16f
rom El
ect
roni
csCommuni
cat
ionEngi
neer
ingst
udent
s,15

f
rom Comput
erEngi
neer
ingst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,27f
rom Teachi
ng

per
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),241(
15f
rom MAst
udent
s,6f
rom

BSA st
udent
s,46 f
rom FM st
udent
s,16 f
rom Mar
ket
ing st
udent
s,4 f
rom HRDM

st
udent
s,12f
rom HRM st
udent
s,13f
rom Tourst
udent
s,12f
rom MassCom st
udent
s,

21f
rom Psy
chst
udent
s,1f
rom Nur
singst
udent
,18f
rom I
Tst
udent
s,14f
rom I
E

st
udent
s,5f
rom ECEst
udent
s,13f
rom CPEst
udent
s,13f
rom Cr
imi
nol
ogyst
udent
s,13

f
rom Teachi
ngper
sonnel
,and13f
rom Non-
Teachi
ngper
sonnel
)usual
l
yseeorhear

pay
mentcar
dadv
ert
isement
sint
elev
isi
ons,159(
15f
rom MAst
udent
s,2f
rom BSA
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 43
ds|

st
udent
s,18f
rom FM st
udent
s,13f
rom Mar
ket
ingst
udent
s,3f
rom HRDM st
udent
s,12

f
rom HRM st
udent
s,12f
rom Tourst
udent
s,1f
rom MassCom st
udent
,12f
rom Psy
ch

st
udent
s,2f
rom Nur
singst
udent
s,7f
rom I
Tst
udent
s,12f
rom I
Est
udent
s,11f
rom ECE

st
udent
s,2 f
rom CPE st
udent
s,6 f
rom Cr
imi
nol
ogyst
udent
s,14 f
rom Teachi
ng

per
sonnel
,and17f
rom Non-
Teachi
ngper
sonnel
)donot
.

Tabl
e2.1.
5.1
Cr
ossTabul
ati
onofCourseorOccupat
ionandTV
Ads
TV
  Yes No Tot al
Courseor MA 15 15 30
Occupati
on BSA 6 2 8
FM 46 18 64
MK 16 13 29
HRDM 4 3 7
HRM 12 12 24
TOUR 13 12 25
MASS 12 1 13
PSYCH 21 12 33
NARS 1 2 3
I
T 18 7 25
I
E 14 12 26
ECE 5 11 16
CPE 13 2 15
CRIM 13 6 19
TEACHING 13 14 27
NON 19 17 36
TEACHING
Total 241 15 400
9

Tabl
e2.
1.5.
2showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24f
rom HRM st
udent
s,25f
rom Tour
ism st
udent
s,13f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 44
ds|

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),233(
22f
rom MA

st
udent
s,7f
rom BSAst
udent
s,44f
rom FM st
udent
s,15f
rom Mar
ket
ingst
udent
s,6

f
rom HRDM st
udent
s,12 f
rom HRM st
udent
s,15 f
rom Tourst
udent
s,11 f
rom

MassCom st
udent
s,21f
rom Psy
chst
udent
s,2f
rom Nur
singst
udent
,17f
rom I
T

st
udent
s,9f
rom I
Est
udent
s,8f
rom ECEst
udent
s,2f
rom CPEst
udent
s,5f
rom

Cr
imi
nol
ogy st
udent
s,14 f
rom Teachi
ng per
sonnel
,and 23 f
rom Non-
Teachi
ng

per
sonnel
)usual
l
yseeorhearpay
mentcar
dadv
ert
isement
sinmal
l
s,167(
8fr
om MA

st
udent
s,1f
rom BSAst
udent
,20f
rom FM st
udent
s,14f
rom Mar
ket
ingst
udent
s,1

f
rom HRDM st
udent
,12f
rom HRM st
udent
s,10f
rom Tourst
udent
s,2f
rom MassCom

st
udent
s,12f
rom Psy
chst
udent
s,1f
rom Nur
singst
udent
,8f
rom I
Tst
udent
s,17f
rom

I
Est
udent
s,8f
rom ECEst
udent
s,13f
rom CPEst
udent
s,14f
rom Cr
imi
nol
ogyst
udent
s,

13f
rom Teachi
ngper
sonnel
,and13f
rom Non-
Teachi
ngper
sonnel
)donot
.

Tabl
e2.
1.5.
2
Cr
ossTabul
ati
onofCourseorOccupat
ionandMall
Ads
Mall
s
  Yes No Tot
al
Courseor MA 22 8 30
Occupati
on BSA 7 1 8
FM 44 20 64
MK 15 14 29
HRDM 6 1 7
HRM 12 12 24
TOUR 15 10 25
MASS 11 2 13
PSYCH 21 12 33
NARS 2 1 3
I
T 17 8 25
I
E 9 17 26
ECE 8 8 16
CPE 2 13 15
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 45
ds|

CRIM 5 14 19
TEACHI
NG 14 13 27
NON 23 13 36
TEACHI
NG
Tot
al 233 16 400
7

Tabl
e2.
1.5.
3showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),363(
2fr
om MA

st
udent
s,6f
rom FM st
udent
s,4f
rom Mar
ket
ingst
udent
s,1f
rom Tourst
udent
,1f
rom

Psy
chst
udent
,7f
rom I
Tst
udent
s,2f
rom I
Est
udent
s,2f
rom ECEst
udent
s,3f
rom

Cr
imi
nol
ogyst
udent
s,2f
rom Teachi
ngper
sonnel
,and2f
rom Non-
Teachi
ngper
sonnel
)

usual
l
yhearpay
mentcar
dadv
ert
isement
sinr
adi
os,
167(
28f
rom MAst
udent
s,8f
rom

BSA st
udent
s,58 f
rom FM st
udent
s,25 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,23f
rom HRM st
udent
s,20f
rom Tourst
udent
s,13f
rom MassCom st
udent
s,

32f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,18f
rom I
Tst
udent
s,24f
rom I
E

st
udent
s,14f
rom ECEst
udent
s,15f
rom CPEst
udent
s,16f
rom Cr
imi
nol
ogyst
udent
s,

25f
rom Teachi
ngper
sonnel
,and34f
rom Non-
Teachi
ngper
sonnel
)donot
.

Tabl
e2.1.
5.3
CrossTabul
ati
onofCourseorOccupati
onandRadio
Ads
Radi
o
  Yes No Total
Courseor MA 2 28 30
Occupati
on BSA 0 8 8
FM 6 58 64
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 46
ds|

MK 4 25 29
HRDM 0 7 7
HRM 1 23 24
TOUR 5 20 25
MASS 0 13 13
PSYCH 1 32 33
NARS 0 3 3
I
T 7 18 25
I
E 2 24 26
ECE 2 14 16
CPE 0 15 15
CRIM 3 16 19
TEACHI
NG 2 25 27
NON 2 34 36
TEACHI
NG
Tot
al 37 36 400
3

Tabl
e2.
1.5.
4showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),148(
11f
rom MA

st
udent
s,2f
rom BSAst
udent
s,25f
rom FM st
udent
s,5f
rom Mar
ket
ingst
udent
s,3f
rom

HRDM st
udent
s,4f
rom HRM st
udent
s,16f
rom Tourst
udent
s,6f
rom MassCom

st
udent
s,9f
rom Psy
chst
udent
s,1f
rom Nur
singst
udent
,5f
rom I
Tst
udent
s,13f
rom I
E

st
udent
s,7f
rom ECEst
udent
s,9f
rom CPEst
udent
s,1f
rom Cr
imi
nol
ogyst
udent
,16

f
rom Teachi
ngper
sonnel
,and15f
rom Non-
Teachi
ngper
sonnel
)usual
l
yseepay
ment

car
dadv
ert
isement
sinbr
ochur
es,252(
19f
rom MAst
udent
s,6f
rom BSAst
udent
s,39

f
rom FM st
udent
s,24f
rom Mar
ket
ingst
udent
s,4f
rom HRDM st
udent
s,20f
rom HRM
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 47
ds|

st
udent
s,9f
rom Tourst
udent
s,7f
rom MassCom st
udent
s,24f
rom Psy
chst
udent
s,2

f
rom Nur
singst
udent
s,20f
rom I
Tst
udent
s,13f
rom I
Est
udent
s,9f
rom ECEst
udent
s,6

f
rom CPEst
udent
s,18f
rom Cr
imi
nol
ogyst
udent
s,11f
rom Teachi
ngper
sonnel
,and21

f
rom Non-
Teachi
ngper
sonnel
)donot
.

Table2.1.5.
4
CrossTabul
ati
onofCourseorOccupat
ionandBr ochure
Ads
Brochur
e
s
  Yes No Tot
al
Courseor MA 11 19 30
Occupati
on BSA 2 6 8
FM 25 39 64
MK 5 24 29
HRDM 3 4 7
HRM 4 20 24
TOUR 16 9 25
MASS 6 7 13
PSYCH 9 24 33
NARS 1 2 3
IT 5 20 25
IE 13 13 26
ECE 7 9 16
CPE 9 6 15
CRIM 1 18 19
TEACHING 16 11 27
NON 15 21 36
TEACHING
Total 148 252 400

Tabl
e2.
1.5.
5showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 48
ds|

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),208(
18f
rom MA

st
udent
s,6f
rom BSAst
udent
s,41f
rom FM st
udent
s,9f
rom Mar
ket
ingst
udent
s,6f
rom

HRDM st
udent
s,15f
rom HRM st
udent
s,16f
rom Tourst
udent
s,9f
rom MassCom

st
udent
s,14f
rom Psy
chst
udent
s,1f
rom Nur
singst
udent
,13f
rom I
Tst
udent
s,12f
rom

I
Est
udent
s,8f
rom ECEst
udent
s,5f
rom CPEst
udent
s,9f
rom Cr
imi
nol
ogyst
udent
s,10

f
rom Teachi
ngper
sonnel
,and16f
rom Non-
Teachi
ngper
sonnel
)usual
l
yseepay
ment

car
dadv
ert
isement
sinsoci
almedi
a,192(
12f
rom MAst
udent
s,2f
rom BSAst
udent
s,

23f
rom FM st
udent
s,20f
rom Mar
ket
ingst
udent
s,1f
rom HRDM st
udent
,9f
rom HRM

st
udent
s,9f
rom Tourst
udent
s,4f
rom MassCom st
udent
s,19f
rom Psy
chst
udent
s,2

f
rom Nur
singst
udent
s,12f
rom I
Tst
udent
s,14f
rom I
Est
udent
s,8f
rom ECEst
udent
s,

10f
rom CPEst
udent
s,10f
rom Cr
imi
nol
ogyst
udent
s,17f
rom Teachi
ngper
sonnel
,and

20f
rom Non-
Teachi
ngper
sonnel
)donot
.

Tabl
e2.1.5.
5
CrossTabul
ati
onofCour
seorOccupati
onandSocialMedia
Ads
Soci
al
Media
  Yes No Total
Courseor MA 18 12 30
Occupati
on BSA 6 2 8
FM 41 23 64
MK 9 20 29
HRDM 6 1 7
HRM 15 9 24
TOUR 16 9 25
MASS 9 4 13
PSYCH 14 19 33
NARS 1 2 3
IT 13 12 25
IE 12 14 26
ECE 8 8 16
CPE 5 10 15
CRIM 9 10 19
TEACHING 10 17 27
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 49
ds|

NON 16 20 36
TEACHI
NG
Tot
al 208 192 400

Tabl
e2.
1.5.
6showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),6(
1fr
om MA

st
udent
,1f
rom HRM st
udent
,1f
rom Psy
chst
udent
,2f
rom I
Tst
udent
s,and1f
rom

Cr
imi
nol
ogyst
udent
)donotusual
l
yseepay
mentcar
dadv
ert
isement
sinanypl
atf
orms,

394(
29f
rom MA st
udent
s,8f
rom BSA st
udent
s,64f
rom FM st
udent
s,29f
rom

Mar
ket
ingst
udent
s,7f
rom HRDM st
udent
s,23f
rom HRM st
udent
s,25f
rom Tour

st
udent
s,13 f
rom MassCom st
udent
s,32 f
rom Psy
ch st
udent
s,3 f
rom Nur
sing

st
udent
s,23f
rom I
Tst
udent
s,26f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15f
rom CPE

st
udent
s,18f
rom Cr
imi
nol
ogyst
udent
s,27f
rom Teachi
ngper
sonnel
,and36f
rom Non-

Teachi
ngper
sonnel
)do.

Tabl
e2.1.
5.6
Cr
ossTabulati
onofCourseorOccupati
onorNoneAds
None Tot a
  Yes No l
Courseor MA 1 29 30
Occupati
on BSA 0 8 8
FM 0 64 64
MK 0 29 29
HRDM 0 7 7
HRM 1 23 24
TOUR 0 25 25
MASS 0 13 13
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 50
ds|

PSYCH 1 32 33
NARS 0 3 3
I
T 2 23 25
I
E 0 26 26
ECE 0 16 16
CPE 0 15 15
CRIM 1 18 19
TEACHI
NG 0 27 27
NON 0 36 36
TEACHI
NG
Tot
al 6 39 400
4

Tabl
e2.
1.5.
7showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),13(
2fr
om MA

st
udent
s,2f
rom Mar
ket
ingst
udent
,1f
rom Tourst
udent
,1f
rom Psy
chst
udent
,3f
rom

Teachi
ngper
sonnel
,and4f
rom Non-
Teachi
ngper
sonnel
)usual
l
yseeorhearpay
ment

car
d adv
ert
isement
sin ot
herpl
atf
orms,387 (
28 f
rom MA st
udent
s,8 f
rom BSA

st
udent
s,64f
rom FM st
udent
s,27f
rom Mar
ket
ingst
udent
s,7f
rom HRDM st
udent
s,24

f
rom HRM st
udent
s,24f
rom Tourst
udent
s,13f
rom MassCom st
udent
s,32f
rom Psy
ch

st
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26f
rom I
Est
udent
s,16f
rom

ECEst
udent
s,15f
rom CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,24f
rom Teachi
ng

per
sonnel
,and32f
rom Non-
Teachi
ngper
sonnel
)donot
.

Tabl
e2.
1.5.
7
CrossTabul
ati
onofCour
seorOccupat
ionandOthers
Ads
  Ot
hers Total
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 51
ds|

Yes No
Courseor MA 2 28 30
Occupati
on BSA 0 8 8
FM 0 64 64
MK 2 27 29
HRDM 0 7 7
HRM 0 24 24
TOUR 1 24 25
MASS 0 13 13
PSYCH 1 32 33
NARS 0 3 3
I
T 0 25 25
I
E 0 26 26
ECE 0 16 16
CPE 0 15 15
CRIM 0 19 19
TEACHI
NG 3 24 27
NON 4 32 36
TEACHI
NG
Tot
al 13 38 400
7

Tabl
e2.
1.6.
1showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,241(
49f
rom

bel
ow10000,
122f
rom 10000-
30000,
56f
rom 30001-
70000,
and14f
rom abov
e70000)

usual
l
yseeorhearpay
mentcar
dadv
ert
isement
sint
elev
isi
ons,159(
16f
rom bel
ow

10000,
88f
rom 10000-
30000,
41f
rom 30001-
70000,
and14f
rom abov
e70000)donot
.

Table2.
1.6.
1
CrossTabulat
ionofMonthlySalar
yandTVAds
TV Tota
  Yes No l
Monthl
ySalary below 49 16 65
10,000
10,000- 122 88 210
30,000
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 52
ds|

30,
001- 56 41 97
70,
000
above 14 14 28
70,
000
Tot
al 241 15 400
9

Tabl
e2.
1.6.
2showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,233(
37f
rom

bel
ow10000,
126f
rom 10000-
30000,
55f
rom 30001-
70000,
and15f
rom abov
e70000)

usual
l
yseeorhearpay
mentcar
dadv
ert
isement
sinmal
l
s,159(
28f
rom bel
ow10000,

84f
rom 10000-
30000,
42f
rom 30001-
70000,
and13f
rom abov
e70000)donot
.

Table2.
1.6.
2
CrossTabul
ati
onofMont hl
ySalar
yandMallAds
Mal
l
s Tot a
  Yes N o l
MonthlySal
ary below 37 28 65
10,000
10,000- 126 84 210
30,000
30,001- 55 42 97
70,000
above 15 13 28
70,000
Total 233 16 400
7

Tabl
e2.
1.6.
3showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,37(
10f
rom

bel
ow 10000,17f
rom 10000-
30000,8f
rom 30001-
70000,and2f
rom abov
e70000)

usual
l
yhearpay
mentcar
dadv
ert
isement
sinr
adi
os,363(
55f
rom bel
ow 10000,193

f
rom 10000-
30000,
89f
rom 30001-
70000,
and26f
rom abov
e70000)donot
.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 53
ds|

Table2.
1.6.
3
CrossTabul
ati
onofMont hlySal
aryandRadi
o
Ads
Radi
o Tot a
  Yes No l
Monthl
ySalar
y bel ow 10 55 65
10,000
10,000- 17 19 210
30,000 3
30,001- 8 89 97
70,000
above 2 26 28
70,000
Tot
al 37 36 400
3

Tabl
e2.
1.6.
4showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,148(
15f
rom

bel
ow 10000,85f
rom 10000-
30000,43f
rom 30001-
70000,and5f
rom abov
e70000)

usual
l
yseepay
mentcar
dadv
ert
isement
sinbr
ochur
es,
252(
50f
rom bel
ow10000,
125

f
rom 10000-
30000,
54f
rom 30001-
70000,
and23f
rom abov
e70000)donot
.

Table2.1.6.
4
CrossTabul
ati
onofMont hl
ySalaryand
Brochures
Brochur
e
s Tota
  Y es No l
Mont
hlySal
ary below 15 50 65
10,
000
10,
000- 85 12 210
30,
000 5
30,
001- 43 54 97
70,
000
above 5 23 28
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 54
ds|

70,
000
Tot
al 148 25 400
2

Tabl
e2.
1.6.
5showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,208(
32f
rom

bel
ow10000,
106f
rom 10000-
30000,
54f
rom 30001-
70000,
and16f
rom abov
e70000)

usual
l
yseepay
mentcar
dadv
ert
isement
sinsoci
almedi
a,192(
33f
rom bel
ow 10000,

104f
rom 10000-
30000,
43f
rom 30001-
70000,
and12f
rom abov
e70000)donot
.

Tabl
e2.
1.6.
5
Cr
ossTabulat
ionofMonthl
ySal
aryandSoci
alMedia
Ads
Soci
al
Media
  Yes N o Tot
al
MonthlySal
ary below 32 33 65
10,000
10,000- 106 104 210
30,000
30,001- 54 43 97
70,000
above 16 12 28
70,000
Total 208 192 400

Tabl
e2.
1.6.
6showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,6(
3fr
om bel
ow

10000,1f
rom 10000-
30000,1f
rom 30001-
70000,and1f
rom abov
e70000)donot

usual
l
yseeorhearpay
mentcar
dadv
ert
isement
sinanypl
atf
orms,394(
62f
rom bel
ow

10000,
209f
rom 10000-
30000,
96f
rom 30001-
70000,
and27f
rom abov
e70000)do.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 55
ds|

Table2.
1.6.
6
CrossTabul
ati
onofMonthlySal
aryandNone
Ads
None Tot a
  Yes No l
Monthl
ySalar
y below 3 62 65
10,
000
10,
000- 1 20 210
30,
000 9
30,
001- 1 96 97
70,
000
above 1 27 28
70,
000
Tot
al 6 39 400
4

Tabl
e2.
1.6.
7showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,
97f
rom 30001-
70000,
and28f
rom abov
e70000)
,13(
2fr
om bel
ow

10000,
6fr
om 10000-
30000,
2fr
om 30001-
70000,
and3f
rom abov
e70000)usual
l
ysee

orhearpay
mentcar
dadv
ert
isement
sinot
herpl
atf
orms,387(
63f
rom bel
ow 10000,

204f
rom 10000-
30000,
95f
rom 30001-
70000,
and25f
rom abov
e70000)donot
.

Tabl
e2.1.6.7
Cr
ossTabulat
ionofMont hlySal
aryandOther
s
Ads
Other
s Tot a
  Yes No l
Monthl
ySal
ary bel ow 2 63 65
10,000
10,000- 6 20 210
30,000 4
30,001- 2 95 97
70,000
above 3 25 28
70,000
Tot
al 13 38 400
7

Tabl
e2.
2.1.
1showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 56
ds|

35-
44,1145-
54,455-
64,and265andabov
e),216(
162f
rom 21andunder
,33f
rom

22-
34,12f
rom 35-
44,4f
rom 45-
54,3f
rom 55-
64,and265andabov
e)ar
ewi
l
li
ngt
o

set
upacr
edi
tcar
d,184(
124f
rom 21andunder
,43f
rom 22-
34,9f
rom 35-
44,7f
rom

45-
54,
and1f
rom 55-
64)ar
enot
.

Table2.2.
1.1
Cr
ossTabul
ati
onofAgeandWi ll
ingnesstoset
upCredi
t
Cards
Yes No Tot
al
Ag 21andunder 162 124 286
e 22-
34 33 43 76
35-
44 12 9 21
45-
54 4 7 11
55-
64 3 1 4
65andabove 2 0 2
Tot
al 216 184 400

Tabl
e2.
2.2.
1showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

216(
77f
rom mal
es,139f
rom f
emal
es)ar
ewi
l
li
ngt
oset
upacr
edi
tcar
d,184(
74f
rom

mal
es,
110f
emal
es)ar
enot
.

Table2.
2.2.
1
Cr
ossTabulat
ionofGenderandWill
ingnesst
oset
upCredit
Card
Yes No Tot
al
Gende Male 77 74 151
r Female 139 110 249
Total 216 184 400

Tabl
e2.
2.3.
1showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,216(
203f
rom si
ngl
es,12f
rom mar
ri
ed,1f
rom separ
ated)ar
ewi
l
li
ngt
o

set
upacr
edi
tcar
d,184(
170f
rom si
ngl
es,
14f
rom mar
ri
ed)ar
enot
.

Table2.2.3.
1
Cr
ossTabul
ati
onofMar
it
alStatusandWil
l
ingnesst
oset
upCredi
t
Card
Yes No Tot
al
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 57
ds|

Mari
tal Si
ngle 203 170 373
St
atus Marri
ed 12 14 26
Separ
ated 1 0 1
Tot
al 216 184 400

Tabl
e2.
2.4.
1showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,216(
189f
rom st
udent
s,27f
rom wor
king)ar
ewi
l
li
ngt
oset
upacr
edi
tcar
d,

184(
148f
rom st
udent
s,36wor
king)ar
enot
.

Table2.2.
4.1
CrossTabul
ati
onofOccupati
onandWi l
l
ingnesst
oset
upCr
edit
Car
d
Yes No Tot
al
Occupati
on St udent 189 148 337
Working 27 36 63
Total 216 184 400

Tabl
e2.
2.5.
1showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),216(
18f
rom MA

st
udent
s,3f
rom BSAst
udent
s,43f
rom FM st
udent
s,20f
rom Mar
ket
ingst
udent
s,7

f
rom HRDM st
udent
s,12f
rom HRM st
udent
s,15f
rom Tourst
udent
s,8f
rom MassCom

st
udent
s,18f
rom Psy
chst
udent
s,2f
rom Nur
singst
udent
,9f
rom I
Tst
udent
s,11f
rom

I
Est
udent
s,9f
rom ECEst
udent
s,6f
rom CPEst
udent
s,8f
rom Cr
imi
nol
ogyst
udent
s,13

f
rom Teachi
ngper
sonnel
,and14f
rom Non-
Teachi
ngper
sonnel
)ar
ewi
l
li
ngt
oset
upa

cr
edi
tcar
d,184(
12f
rom MAst
udent
s,5f
rom BSAst
udent
,21f
rom FM st
udent
s,9
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 58
ds|

f
rom Mar
ket
ing st
udent
s,12 f
rom HRM st
udent
s,10 f
rom Tourst
udent
s,5 f
rom

MassCom st
udent
s,15f
rom Psy
chst
udent
s,1f
rom Nur
singst
udent
,16f
rom I
T

st
udent
s,15f
rom I
Est
udent
s,7f
rom ECEst
udent
s,9f
rom CPEst
udent
s,11f
rom

Cr
imi
nol
ogy st
udent
s,14 f
rom Teachi
ng per
sonnel
,and 22 f
rom Non-
Teachi
ng

per
sonnel
)ar
enot
.

Table2.
2.5.1
CrossTabul
ati
onofCourseorOccupationandWi
l
li
ngness
t
osetupCreditCar
d
Yes No Total
Courseor MA 18 12 30
Occupati
on BSA 3 5 8
FM 43 21 64
MK 20 9 29
HRDM 7 0 7
HRM 12 12 24
TOUR 15 10 25
MASS 8 5 13
PSYCH 18 15 33
NARS 2 1 3
I
T 9 16 25
I
E 11 15 26
ECE 9 7 16
CPE 6 9 15
CRIM 8 11 19
TEACHING 13 14 27
NONTEACHI NG 14 22 36
Total 216 184 400

Tabl
e2.
2.6.
1showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,216(
35f
rom

bel
ow10000,
104f
rom 10000-
30000,
58f
rom 30001-
70000,
and19f
rom abov
e70000)

ar
ewi
l
li
ngt
oset
upacr
edi
tcar
d,184(
30f
rom bel
ow10000,
106f
rom 10000-
30000,
39

f
rom 30001-
70000,
and9f
rom abov
e70000)ar
enot
.

Tabl
e2.
2.6.
1
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 59
ds|

CrossTabul
ati
onofMonthl
ySalaryandWi l
l
ingnesstoset
up
Cr
editCar
ds
Yes No Tot
al
Monthly bel
ow10,000 35 30 65
Sal
ary 10,
000- 104 106 210
30,
000
30,
001- 58 39 97
70,
000
above70,
000 19 9 28
Tot
al 216 184 400

Tabl
e2.
3.1.
1showst
hatoutof400r
espondent
s(28621andunder
,7622-
34,
21

35-
44,1145-
54,455-
64,and265andabov
e),286(
204f
rom 21andunder
,56f
rom

22-
34,15f
rom 35-
44,6f
rom 45-
54,3f
rom 55-
64,and265andabov
e)ar
ewi
l
li
ngt
o

set
upadebi
tcar
d,114(
82f
rom 21andunder
,20f
rom 22-
34,
6fr
om 35-
44,5f
rom 45-

54,and1f
rom 55-
64)ar
enot
.

Table2.3.
1.1
Cr
ossTabul
ati
onofAgeandWi l
li
ngnesst
oset
upDebi
t
Cards
Yes No Tot
al
Age 21andunder 204 82 286
22-34 56 20 76
35-44 15 6 21
45-54 6 5 11
55-64 3 1 4
65andabove 2 0 2
Tot
al 286 114 400

Tabl
e2.
3.2.
1showst
hatoutof400r
espondent
s(151mal
esand249f
emal
es)
,

286(
97f
rom mal
es,189f
rom f
emal
es)ar
ewi
l
li
ngt
oset
upadebi
tcar
d,114(
60f
rom

mal
es,
54f
emal
es)ar
enot
.

Tabl
e2. 3.2.
1
CrossTabul
ati
onofGenderandWi l
l
ingnessto
setupDebitCards
Yes No Total
Gende Mal e 97 54 151
r Female 189 60 249
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 60
ds|

Tot
al 286 114 400

Tabl
e2.
3.3.
1showst
hatoutof400r
espondent
s(373si
ngl
es,26mar
ri
edand1

separ
ated)
,286(
269f
rom si
ngl
es,16f
rom mar
ri
ed,1f
rom separ
ated)ar
ewi
l
li
ngt
o

set
upadebi
tcar
d,114(
104f
rom si
ngl
es,
10f
rom mar
ri
ed,
)ar
enot
.

Tabl
e2.3.
3.1
CrossTabul
ati
onofMar i
talSt
atusandWil
l
ingnesst
o
set
upDebitCards
Yes No Total
Marital Si
ngle 269 104 373
Status Marri
ed 16 10 26
Separat
e 1 0 1
d
Total 286 114 400

Tabl
e2.
3.4.
1showst
hatoutof400r
espondent
s(337f
rom st
udent
s,63f
rom

wor
king)
,286(
243f
rom st
udent
s,43f
rom wor
king)ar
ewi
l
li
ngt
oset
upadebi
tcar
d,

114(
94f
rom st
udent
s,20wor
king)ar
enot
.

Table2.3.
4.1
Cr
ossTabul
ati
onofOccupationandWi l
l
ingnesst
osetupDebit
Cards
Yes No Tot
al
Occupat
io St
udent 243 94 337
n Worki
ng 43 20 63
Total 286 114 400

Tabl
e2.
3.5.
1showst
hatoutof400r
espondent
s,(
30f
rom MAst
udent
s,8f
rom

BSA st
udent
s,64 f
rom FM st
udent
s,29 f
rom Mar
ket
ing st
udent
s,7 f
rom HRDM

st
udent
s,24 f
rom HRM st
udent
s,25 f
rom Tour
ism st
udent
s,13 f
rom MassCom

st
udent
s,33f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
s,25f
rom I
Tst
udent
s,26

f
rom I
Est
udent
s,16f
rom ECEst
udent
s,15CPEst
udent
s,19f
rom Cr
imi
nol
ogyst
udent
s,
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 61
ds|

27f
rom Teachi
ngper
sonnel
,and36f
rom Non-
Teachi
ngper
sonnel
),286(
27f
rom MA

st
udent
s,5f
rom BSAst
udent
s,59f
rom FM st
udent
s,22f
rom Mar
ket
ingst
udent
s,7

f
rom HRDM st
udent
s,13 f
rom HRM st
udent
s,18 f
rom Tourst
udent
s,11 f
rom

MassCom st
udent
s,18f
rom Psy
chst
udent
s,3f
rom Nur
singst
udent
,12f
rom I
T

st
udent
s,19f
rom I
Est
udent
s,11f
rom ECEst
udent
s,9f
rom CPEst
udent
s,9f
rom

Cr
imi
nol
ogy st
udent
s,21 f
rom Teachi
ng per
sonnel
,and 22 f
rom Non-
Teachi
ng

per
sonnel
)ar
ewi
l
li
ngt
oset
upadebi
tcar
d,114(3f
rom MAst
udent
s,3f
rom BSA

st
udent
,5f
rom FM st
udent
s,7f
rom Mar
ket
ingst
udent
s,11f
rom HRM st
udent
s,7f
rom

Tourst
udent
s, 2f
rom MassCom st
udent
s,15f
rom Psy
chst
udent
s, 13f
rom I
T

st
udent
s,7f
rom I
Est
udent
s,5f
rom ECEst
udent
s,6f
rom CPEst
udent
s,10f
rom

Cr
imi
nol
ogyst
udent
s,6f
rom Teachi
ngper
sonnel
,and14f
rom Non-
Teachi
ngper
sonnel
)

ar
enot
.

Tabl
e2.3.
5.1
CrossTabul
ati
onofCourseorOccupati
onandWi
l
li
ngnesstoset
up
Debi
tCard
Yes No Total
Courseor MA 27 3 30
Occupati
on BSA 5 3 8
FM 59 5 64
MK 22 7 29
HRDM 7 0 7
HRM 13 11 24
TOUR 18 7 25
MASS 11 2 13
PSYCH 18 15 33
NARS 3 0 3
I
T 12 13 25
I
E 19 7 26
ECE 11 5 16
CPE 9 6 15
CRIM 9 10 19
TEACHI
NG 21 6 27
NONTEACHI NG 22 14 36
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 62
ds|

Tot
al 286 114 400

Tabl
e2.
3.6.
1showst
hatoutof400r
espondent
s(65f
rom bel
ow 10000,210

f
rom 10000-
30000,97f
rom 30001-
70000,and28f
rom abov
e70000)
,286(
43f
rom

bel
ow10000,
148f
rom 10000-
30000,
70f
rom 30001-
70000,
and25f
rom abov
e70000)

ar
ewi
l
li
ngt
oset
upadebi
tcar
d,114(
22f
rom bel
ow10000,62f
rom 10000-
30000,27

f
rom 30001-
70000,
and3f
rom abov
e70000)ar
enot
.

Table2.3.
6.1
CrossTabulat
ionofMonthlySalar
yandWi l
l
ingnesst
oset
upDebit
Car
d
Yes No Tot
al
Monthl
ySalary below10, 000 43 22 65
10,
000-30, 000 148 62 210
30,
001-70, 000 70 27 97
above70,000 25 3 28
Tot
al 286 114 400

Tabl
e3.
1.1showst
hatoutof400r
espondent
s,286(
286f
rom ages21andunder
)

ar
ever
ymuchawar
eaboutt
her
equi
rement
sand,
awar
eaboutt
heappl
i
cat
ionpr
ocess,

bi
l
li
ng,
andt
ermsandcondi
ti
onsofcr
edi
tcar
ds;
76(
76f
rom ages22-
34)ar
ever
ymuch

awar
e aboutt
her
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ngand

t
ermsandcondi
ti
onsofcr
edi
tcar
ds;21(
21f
rom ages35-
44)ar
ever
ymuchawar
eof

t
her
equi
rement
s,appl
i
cat
ionpr
ocess,
ter
msandcondi
ti
onsand,
awar
eaboutt
hebi
l
li
ng

ofcr
edi
tcar
ds;17(
11f
rom ages45-
54,
4fr
om ages55-
64,
2fr
om ages65andabov
e)

ar
ever
ymuchawar
eaboutt
her
equi
rement
s,appl
i
cat
ionpr
ocess,
bil
l
ingandt
ermsand

condi
ti
onsofcr
edi
tcar
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutcr
edi
tcar
dsi
f

gr
oupedaccor
dingt
oage.

Tabl
e3.
1.1–MeanReportforTotalAwarenessofCredi
tCar
dAccordi
ngtoAge
Requi
remen Applicat
ion Terms Ov
eral
lAwareness
Age Bi
l
li
ng
t
s Process and Int
erpr
etat
ion
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 63
ds|

Condi
ti
on
s
21and 3.
021 3.
113
3.
3450 3.
0688 3.
0184 Awar
e
under 0 3
2.
936 3.
103
22-
34 3.
4693 3.
0877 2.
9211 Awar
e
8 7
3.
228 3.
423 VeryMuch
35-
44 3.
7778 3.
3651 3.
3214
6 2 Awar
e
3.
454 3.
422 VeryMuch
45-
54 3.
6061 3.
3333 3.
2955
5 3 Awar
e
3.
700 3.
654 VeryMuch
55-
64 3.
7500 3.
6667 3.
5000
0 2 Awar
e
65and 3.
800 3.
793 VeryMuch
3.
8333 3.
6667 3.
8750
above 0 8 Awar
e
3.
038 3.
145
Tot
al 3.
4050 3.
1042 3.
0325 Awar
e
5 0

Tabl
e3.
1.2showst
hatoutof400r
espondent
s,151(
mal
e)ar
ever
ymuchawar
e

aboutt
her
equi
rement
sand,
awar
eaboutt
heappl
i
cat
ionpr
ocess,
bil
l
ing,
andt
ermsand

condi
ti
onsofcr
edi
tcar
ds;249(
femal
e)ar
ever
ymuchawar
eaboutt
her
equi
rement
s

and,awar
eaboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ng,andt
ermsandcondi
ti
onsofcr
edi
t

car
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutcr
edi
tcar
dsi
fgr
oupedaccor
dingt
o

gender
.

Table3.
1.2–MeanReportforTotalAwar
enessofCreditCar
dAccor di
ngtoGender
Terms
Requi
remen Appli
cati
on and Over
allAwareness
Gender Bi
l
li
ng
t
s Process Condit
ion I
nter
pret
ation
s
3.
064
Male 3.
4040 3.
0773 3.
0298 3. 1440 Awar e
9
3.
022
Female 3.
4056 3.
1205 3.
0341 3. 1457 Awar e
5
3.
038
Tot
al 3.
4050 3.
1042 3.
0325 3. 1450 Awar e
5

Tabl
e3.
1.3showst
hatout400r
espondent
s,373(
singl
e)ar
ever
ymuchawar
e

aboutt
her
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,
bil
l
ing,
andt
ermsand

condi
ti
onsofcr
edi
tcar
ds;and27(
26mar
ri
edand1separ
ated)ar
ever
ymuchawar
e
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 64
ds|

aboutt
her
equi
rement
s,appl
i
cat
ionpr
ocess,bi
l
li
ngandt
ermsandcondi
ti
onsofcr
edi
t

car
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutcr
edi
tcar
dsi
fgr
oupedaccor
dingt
o

mar
it
alst
atus.

Table3.1.
3–MeanRepor
tforTotalAwarenessofCreditCar
dAccor di
ngt oMarit
al
Status
Terms
Mar i
tal Requiremen Applicat
io and Over
allAwareness
Bil
li
ng
Status t
s nPr ocess Condit
ion I
nter
pretati
on
s
3.010 3.120
Si
ngle 3.
3807 3.
0804 3.
0114 Aware
2 7
3.423 3.468 VeryMuch
Married 3.
7308 3.
4231 3.
2981
1 8 Aware
3.600 3.816 VeryMuch
Separated 4.
0000 3.
6667 4.
0000
0 7 Aware
3.038 3.145
Total 3.
4050 3.
1042 3.
0325 Aware
5 0

Tabl
e3.
1.4showst
hatoutof400r
espondent
s,337(
student
s)ar
ever
ymuch

awar
eaboutt
her
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ng,and

t
ermsandcondi
ti
onsofcr
edi
tcar
ds;63(
wor
king)ar
ever
ymuchawar
eaboutt
he

r
equi
rement
sand appl
i
cat
ionpr
ocessand,awar
eaboutt
hebi
l
li
ng and t
ermsand

condi
ti
onsofcr
edi
tcar
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutcr
edi
tcar
dsi
f

gr
oupedaccor
dingt
ooccupat
ion.

Table3.1.4–MeanReportf
orTotalAwar
enessofCreditCar
dAccor
dingtoOccupation
Terms
Requi
remen Appli
cati
on and Over
allAwareness
Occupat i
on Bil
li
ng
t
s Process Conditi
on I
nter
pret
ation
s
3.018 3.
116
Student 3.
3610 3.
0603 3.0267 Aware
4 6
3.146 3.
297 VeryMuch
Working 3.
6402 3.
3386 3.0635
0 1 Aware
3.038 3.
145
Total 3.
4050 3.
1042 3.0325 Aware
5 0

Tabl
e3.
1.5showst
hatoutof400r
espondent
s,268(
30f
rom Management
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 65
ds|

Account
ing,64f
rom Fi
nanci
alManagement
,29f
rom Mar
ket
ingManagement
,7f
rom

Human Resour
ce Dev
elopment Management
, 24 f
rom Hot
el and Rest
aur
ant

Management
,33f
rom Psy
chol
ogy
,3f
rom Nur
sing,26f
rom I
ndust
ri
alEngi
neer
ing,16

f
rom El
ect
roni
cCommuni
cat
ionEngi
neer
ing,and36Non-
Teachi
ngPer
sonnel
)ar
ever
y

muchawar
eaboutt
her
equi
rement
sand,awar
eaboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ng,

andt
ermsandcondi
ti
onsofcr
edi
tcar
ds;
67(
8fr
om Account
ancy
,25f
rom I
nfor
mat
ion

Technol
ogy
,15f
rom Comput
erEngi
neer
ing,
and19f
rom Cr
imi
nol
ogy
)ar
eawar
eoft
he

r
equi
rement
s,appl
i
cat
ionpr
ocess,bi
l
li
ngandt
ermsandcondi
ti
onsofcr
edi
tcar
ds;52

(
25f
rom Tour
ism and27f
rom Teachi
ngPer
sonnel
)ar
ever
ymuchawar
eaboutt
he

r
equi
rement
s,appl
i
cat
ionpr
ocess,
bil
l
ingandt
ermsandcondi
ti
onsofcr
edi
tcar
ds;and

13(
13f
rom MassCommuni
cat
ion)ar
ever
ymuchawar
eaboutt
her
equi
rement
sand

appl
i
cat
ionpr
ocessand,awar
eaboutt
hebi
l
li
ngandt
ermsandcondi
ti
onsofcr
edi
t

car
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutcr
edi
tcar
dsi
fgr
oupedaccor
dingt
o

cour
seandwor
k.

Tabl
e3. 1.
5–MeanRepor tf
orTotalAwarenessofCreditCardAccordi
ngt oCourseand
Wor k
Terms
Cour seand Requir
e Appl icat
ion and Over
allAwareness
Bil
li
ng
Wor k ment s Pr
ocess Conditi
on I
nter
pretat
ion
s
3.160
MA 3.4556 3.1556 3.1167 3.2219 Aware
0
2.800
BSA 2.8750 2.8333 2.6250 2.7833 Aware
0
3.050
FM 3.2813 3.0677 3.0078 3.1017 Aware
0
3.069
MK 3.3908 3.2299 3.0603 3.1875 Aware
0
3.142
HRDM 3.4286 3.2381 3.0000 3.2024 Aware
9
2.708
HRM 3.2639 2.8889 3.0521 2.9783 Aware
3
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 66
ds|

3.
280 VeryMuch
TOUR 3.
5200 3.
3467 3.
3000 3.
3617
0 Awar
e
3.
246
MASS 3.
4872 3.
3590 2.
8846 3.
2442 Awar
e
2
3.
054
PSYCH 3.
5051 3.
0404 2.
9848 3.
1462 Awar
e
5
3.
200
NARS 3.
4444 2.
8889 2.
6667 3.
0500 Awar
e
0
3.
104
I
T 3.
2400 3.
0000 3.
1100 3.
1135 Awar
e
0
2.
700
I
E 3.
3974 2.
5513 2.
7308 2.
8449 Awar
e
0
2.
775
ECE 3.
6875 3.
2083 3.
1406 3.
2029 Awar
e
0
2.
960
CPE 3.
0667 3.
0000 3.
0833 3.
0275 Awar
e
0
3.
031
CRI
M 3.
2456 3.
0526 3.
0658 3.
0989 Awar
e
6
3.
481 VeryMuch
TEACHI
NG 3.
6420 3.
5062 3.
3519 3.
4954
5 Awar
e
NON 2.
894
3.
6389 3.
2130 2.
8472 3.
1484 Awar
e
TEACHI
NG 4
3.
038
Tot
al 3.
4050 3.
1042 3.
0325 3.
1450 Awar
e
5

Tabl
e3.
1.6showst
hatoutof400r
espondent
s,65(
65hav
ingasal
arybel
ow

10,
000)ar
eawar
eaboutt
her
equi
rement
s,appl
i
cat
ionpr
ocess,bi
l
li
ngandt
ermsand

condi
ti
onsofcr
edi
tcar
ds;
307(
210hav
ingasal
aryof10,
000–30,
000and97hav
inga

sal
aryof30,
001–70,
000)ar
ever
ymuchawar
eaboutt
her
equi
rement
sand,awar
e

aboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ng,andt
ermsandcondi
ti
onsofcr
edi
tcar
ds;and28

(
28hav
ingasal
aryofabov
e70,
000)ar
ever
ymuchawar
eaboutt
her
equi
rement
sand

appl
i
cat
ionpr
ocessand,
awar
eaboutt
hebi
l
li
ngandt
ermsandcondi
ti
ons.Al
linal
l
,the

r
espondent
sar
eawar
eaboutcr
edi
tcar
dsi
fgr
oupedaccor
dingt
omont
hlysal
ary
.

Table3.1.6–MeanReportf
orTotalAwarenessofCr
editCar dAccor
dingtoMont hl
ySal
ary
Mont hl
y Requir
e Appl icat
ion Termsand Overal
lAwareness
Bi
ll
ing
Salary ments Process Condi t
ions Int
erpr
etati
on
bel
ow10, 000 3.1846 2.
9590 2.
9692 3.1000 3.
0532 Aware
10,000- 3.4429 3.
1413 3.
0352 2.9714 3.
1477 Aware
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 67
ds|

30,
000
30,
001-
3.
4433 3.
0687 3.
0433 3.
0876 3.
1607 Awar
e
70,
000
VeryMuch
abov
e70,
000 3.
5000 3.
2857 3.
2071 3.
1429 3.
2839
Awar
e
Tot
al 3.
4050 3.
1042 3.
0385 3.
0325 3.
1450 Awar
e

Tabl
e3.
2.1showst
hatoutof400r
espondent
s,383(
286f
rom ages21and

under
,76 f
rom ages22-
34,21 f
rom ages35-
44)ar
ever
ymuch awar
e aboutt
he

r
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,
bil
l
ingandt
ermsandcondi
ti
ons

ofdebi
tcar
ds;11(
11f
rom ages45-
54)ar
ever
ymuchawar
eaboutt
her
equi
rement
s,

bi
l
li
ngandt
ermsandcondi
ti
onsandawar
eaboutt
heappl
i
cat
ionpr
ocessofdebi
tcar
ds;

4(
4fr
om ages55-
64)ar
ever
ymuchawar
eaboutt
her
equi
rement
sandawar
eaboutt
he

appl
i
cat
ionpr
ocess,
bil
l
ingandt
ermsandcondi
ti
onsofdebi
tcar
ds;
and2(
2fr
om ages

65andabov
e)ar
ever
ymuchawar
eaboutt
her
equi
rement
s,appl
i
cat
ionpr
ocess,
bil
l
ing

andt
ermsandcondi
ti
onsofdebi
tcar
ds.Al
linal
l
,ther
espondent
sar
eawar
eabout

debi
tcar
dsi
fgr
oupedaccor
dingt
oage.

Tabl
e3.
2.1–MeanReportforTotalAwarenessofDebitCar
dAccordingt oAge
Terms
Requir
e Applicat
ion and Ov
eral
l Awar eness
Age Bil
li
ng
ment s Process Conditi
on Int
erpr et
ation
s
21and 3.237 3.111
3.3042 2.8741 3.0305 Aware
under 8 6
3.157 3.090
22-34 3.3553 2.8618 2.9868 Aware
9 5
2.952 3.046
35-44 3.5714 2.8333 2.8299 Aware
4 8
3.636 3.386 VeryMuch
45-54 3.5909 3.0455 3.2727
4 4 Aware
3.000 3.281 VeryMuch
55-64 4.0000 2.8750 3.2500
0 3 Aware
65and 4.000 3.821 VeryMuch
4.0000 3.5000 3.7857
above 0 4 Aware
Tot
al 3.3463 2.8775 3.220 3. 0243 3. 117 Aware
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 68
ds|

0 0

Tabl
e3.
2.2showst
hatoutof400r
espondent
s,151(
mal
e)ar
ever
ymuchawar
e

aboutt
her
equi
rement
sandbi
l
li
ngandawar
eaboutt
heappl
i
cat
ionpr
ocessandt
erms

and condi
ti
onsofdebi
tcar
ds;and 249 (
femal
e)ar
ever
ymuch awar
eaboutt
he

r
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,
bil
l
ingandt
ermsandcondi
ti
ons

ofdebi
tcar
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutdebi
tcar
dsi
fgr
ouped

accor
dingt
ogender
.

Tabl
e3.2.
2–MeanReportf
orTotalAwarenessofDebitCar
dAccordi
ngtoGender
Terms
Requir
e Appli
cati
on and Overal
lAwareness
Gender Bi
lli
ng
ments Process Condi
ti
on I
nterpr
etati
on
s
Male 3.
3113 2.
9371 3.
2781 3. 0274 3. 1385 Aware
Female 3.
3675 2.
8414 3.
1847 3. 0224 3. 1040 Aware
Tot
al 3.
3463 2.
8775 3.
2200 3. 0243 3. 1170 Aware

Tabl
e3.
2.3showst
hatoutof400r
espondent
s,26(
mar
ri
ed)ar
ever
ymuch

awar
eaboutt
her
equi
rement
sandbi
l
li
ngandawar
eaboutt
heappl
i
cat
ionpr
ocessand

t
ermsandcondi
ti
onsofdebi
tcar
ds;373(
singl
e)ar
ever
ymuchawar
eaboutt
he

r
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,
bil
l
ingandt
ermsandcondi
ti
ons

ofdebi
tcar
ds;and1(
separ
ated)i
sawar
eaboutt
her
equi
rement
sandt
ermsand

condi
ti
onsandmoder
atel
yawar
eaboutt
heappl
i
cat
ionpr
ocessandbi
l
li
ngofdebi
t

car
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutdebi
tcar
dsi
fgr
oupedaccor
dingt
o

mar
it
alst
atus.

Tabl
e3.2.
3–MeanRepor
tforTotalAwar
enessofDebi
tCardAccor
dingt oMarit
alStat
us
Terms
Mari
tal Requi
re Appli
cati
on and Ov er
allAwareness
Bil
li
ng
St
atus ments Process Condi
ti
on Interpr
etat
ion
s
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 69
ds|

Singl
e 3.
3324 2.
8700 3.
2172 3.
0180 3.
1094 Aware
Marri
ed 3.
5577 3.
0192 3.
3077 3.
1319 3.
2541 Aware
Moder
atel
y
Separ
ated 3.
0000 2.
0000 2.
0000 2.
5714 2.
3929
Aware
Tot
al 3.
3463 2.
8775 3.
2200 3.
0243 3.
1170 Aware

Tabl
e3.
2.4showst
hatoutof400r
espondent
s,337(
student
s)and63(
wor
king)

ar
ever
ymuchawar
eaboutt
her
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,

bi
l
li
ngandt
ermsandcondi
ti
onsofdebi
tcar
ds.Al
linal
l
,ther
espondent
sar
eawar
e

aboutdebi
tcar
dsi
fgr
oupedaccor
dingt
ooccupat
ion.

Table3.2.4–MeanRepor
tforTotalAwar
enessofDebi
tCardAccordingtoOccupati
on
Terms
Requir
e Appl i
cati
on and Overal
lAwareness
Occupat i
on Bi
l
li
ng
ment s Process Condi
ti
on I
nterpr
etat
ion
s
3.
243
Student 3.3012 2.8769 3.
0309 3. 1131 Aware
3
3.
095
Wor king 3.5873 2.8810 2.
9887 3. 1380 Aware
2
3.
220
Total 3.3463 2.8775 3.
0243 3. 1170 Aware
0

Tabl
e3.
2.5showst
hatoutof400r
espondent
s,110(
30ManagementAccount
ing,

29Mar
ket
ing,
7HumanResour
ceDev
elopmentManagement
,3Nur
sing,
25I
nfor
mat
ion

Technol
ogyand16El
ect
roni
csCommuni
cat
ionEngi
neer
ingst
udent
)ar
ever
ymuch

awar
eaboutt
her
equi
rement
sandbi
l
li
ngofdebi
tcar
dandawar
eaboutt
heappl
i
cat
ion

pr
ocessandt
ermsandcondi
ti
onsofdebi
tcar
ds;25(
Tour
ism st
udent
s)ar
ever
ymuch

awar
e aboutt
he r
equi
rement
s and t
erms and condi
ti
ons and awar
e aboutt
he

appl
i
cat
ionpr
ocessandbi
l
li
ngofdebi
tcar
ds;188(
64Fi
nanci
alManagement
,13AB

Communi
cat
ions,33Psy
chol
ogy
,15Comput
erEngi
neer
ingst
udent
s,27t
eachi
ngand

36non-
teachi
ngper
sonnel
)ar
ever
ymuchawar
eaboutt
her
equi
rement
sandawar
e
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 70
ds|

aboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ngandt
ermsandcondi
ti
onsofdebi
tcar
ds;69(
24

Hot
eland Rest
aur
antManagement
,26 I
ndust
ri
alEngi
neer
ing and 19 Cr
imi
nol
ogy

st
udent
s)ar
ever
ymuchawar
eaboutt
hebi
l
li
ngandawar
eaboutt
her
equi
rement
s,

appl
i
cat
ion pr
ocessandt
ermsandcondi
ti
onsaboutdebi
tcar
ds;and8(
Account
ancy

st
udent
s)ar
emoder
atel
yawar
eaboutt
her
equi
rement
s,appl
i
cat
ionpr
ocess,
bil
l
ingand

t
ermsandcondi
ti
onsaboutdebi
tcar
ds.Al
li
nal
l
,ther
espondent
sar
eawar
eaboutdebi
t

car
dsi
fgr
oupedaccor
dingt
ocour
seandwor
k.

Table3.2.5
MeanRepor
tforTot
alAwarenessofDebi tCardAccordi
ngt
oCour seandWor k
Terms
Cour seand Requir
e Appl i
cati
on and Overal
lAwareness
Bil
l
ing
Wor k ments Process Condit
ion I
nterpr
etati
on
s
MA 3.
3833 2.
9667 3.3000 2.
9857 3. 1589 Aware
BSA 2.
9375 2.
1875 3.2500 2.
6607 2. 7589 Aware
FM 3.
3359 2.
8828 3.0000 3.
0848 3. 0759 Aware
MK 3.
3276 2.
8276 3.2759 3.
0887 3. 1299 Aware
HRDM 3.
7143 2.
5000 3.0000 2.
9796 3. 0485 Aware
HRM 3.
1875 2.
8958 3.6667 2.
9881 3. 1845 Aware
VeryMuch
TOUR 3.
4200 3.
1800 3.2000 3.
3829 3. 2957
Aware
MASS 3.
5000 2.
7308 3.2308 3.
1978 3. 1648 Aware
PSYCH 3.
3636 2.
8485 2.8788 2.
9913 3. 0206 Aware
VeryMuch
NARS 3.
3333 3.
0000 3.6667 3.
0476 3. 2619
Aware
I
T 3.
2600 2.
9800 3.2800 3.
0743 3. 1486 Aware
IE 3.
0192 2.
6731 3.4231 2.
7912 2. 9766 Aware
VeryMuch
ECE 3.
3750 3.
0313 4.0000 2.
7500 3. 2891
Aware
CPE 3.
3000 2.
7667 3.1333 3.
0857 3. 0714 Aware
CRIM 3.
1316 3.
0263 3.2632 3.
0150 3. 1090 Aware
TEACHI NG 3.6481 2.
9259 3.2593 3.
1534 3. 2467 Aware
NON
3.
5417 2.
8472 2.9722 2.
8651 3. 0565 Aware
TEACHI NG
Tot al 3.
3463 2.
8775 3.2200 3.
0243 3. 1170 Aware

Tabl
e3.
2.6showst
hatoutof400r
espondent
s,125(
97per
sonshav
ingasal
ary
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 71
ds|

of30,001–70,000and28hav
ingasal
aryofabov
e70,000)ar
ever
ymuchawar
e

aboutt
her
equi
rement
sandbi
l
li
ngandawar
eaboutt
heappl
i
cat
ionpr
ocessandt
erms

andcondi
ti
onsofdebi
tcar
ds;210(
hav
ingasal
aryof10,
000–30,
000)ar
ever
ymuch

awar
eaboutt
her
equi
rement
sandawar
eaboutt
heappl
i
cat
ionpr
ocess,bi
l
li
ngand

t
ermsandcondi
ti
onsofdebi
tcar
ds;
and65(
hav
ingasal
aryofbel
ow10,
000)ar
eawar
e

aboutt
her
equi
rement
s,appl
i
cat
ionpr
ocessbi
l
li
ngandt
ermsandcondi
ti
onsofdebi
t

car
ds.Al
linal
l
,ther
espondent
sar
eawar
eaboutdebi
tcar
dsi
fgr
oupedaccor
dingt
o

mont
hlysal
ary
.

Tabl e3.2.
6–MeanReportforTotalAwarenessofDebitCardAccor
dingtoMont hl
y
Salary
Terms
Mont hly Requir
e Appl i
cati
on and Over
allAwareness
Bil
li
ng
Salary ment s Process Condi
tion I
nter
pretati
on
s
below 3.169
3.1692 2.8077 3.
0593 3. 0514 Aware
10,000 2
10,000- 3.147
3.3929 2.8595 3.
0014 3. 1003 Aware
30,000 6
30,001- 3.309
3.3351 2.9124 3.
0059 3. 1406 Aware
70,000 3
abov e 3.571 VeryMuch
3.4464 3.0536 3.
1786 3. 3125
70,000 4 Aware
3.220
Tot al 3.3463 2.8775 3.
0243 3. 1170 Aware
0

Tabl
e4.
1pr
esent
sthatwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,

t
her
e ar
e si
gni
fi
cantdi
ff
erences i
nthe awar
eness of t
he r
espondent
stot
he

r
equi
rement
sofcr
edi
tanddebi
tcar
dswi
th p-
val
uesof.
005and.
032,
respect
ivel
y,and

t
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e.5% and3.
2% notduet
o

chance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
stot
her
equi
rement
sofcr
edi
tcar
dwhent
her
espondent
sar
egr
ouped
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 72
ds|

accor
ding t
o age,
”and “
ther
eis no si
gni
fi
cantdi
ff
erence i
nthe awar
eness of

r
espondent
stot
her
equi
rement
sofdebi
tcar
dwhent
her
espondent
sar
egr
ouped

accor
dingt
oage,
”ar
erej
ect
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ogender
,ther
ear
enosi
gni
fi
cant

di
ff
erencesi
ntheawar
enessofr
espondent
stocr
edi
tanddebi
tcar
dswi
thp-
val
uesof

.
987and.
387,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
eness

ar
e97.
8% and 38.
7% duet
o chance.Thenul
lhy
pot
hesi
s“t
her
eisno si
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
her
equi
rement
sofcr
edi
tcar
dwhent
he

r
espondent
sar
egr
oupedaccor
dingt
ogender
,”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
n

t
heawar
enessofr
espondent
stot
her
equi
rement
sofdebi
tcar
dwhent
her
espondent
s

ar
egr
oupedaccor
dingt
ogender
,”ar
eaccept
ed.

When t
he r
espondent
s ar
e gr
ouped accor
ding t
o mar
it
alst
atus,t
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof

.
007andnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
tha

p-
val
ueof.
181.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e.7% notduet
o

chance and 18.

1% due t
o chance,r
espect
ivel
y.The nul
lhy
pot
hesi
s“t
her
eis no

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
her
equi
rement
sofcr
edi
t

car
dwhent
her
espondent
sar
egr
oupedaccor
dingt
omar
it
alst
atus,
”isr
eject
edwhi
l
e

t
henul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
s

t
other
equi
rement
sofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
o

mar
it
alst
atus,
”isaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
ther
ear
esi
gni
fi
cant

di
ff
erencesi
ntheawar
enessoft
her
espondent
stocr
edi
tanddebi
tcar
dswi
thp-
val
ues
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 73
ds|

of.
000and.
001,
respect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
eness

ar
e0%and.
1%notduet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erence

i
nthe awar
eness ofr
espondent
stot
he r
equi
rement
s ofcr
edi
tcar
d when t
he

r
espondent
s ar
e gr
ouped accor
ding t
o occupat
ion,
”and “
ther
eis no si
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
her
equi
rement
sofdebi
tcar
dwhent
he

r
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
”ar
erej
ect
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ocour
se,t
her
ear
esi
gni
fi
cant

di
ff
erencesi
ntheawar
enessoft
her
espondent
stocr
edi
tanddebi
tcar
dswi
thp-
val
ues

of.
002and.
027,
respect
ivel
y,andt
hatwhat
everdi
ff
erencet
her
eisi
ntheawar
enessi
s

.
2%and2.
7%notduet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erence

i
nthe awar
eness ofr
espondent
stot
he r
equi
rement
s ofcr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
ocour
se,
”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
n

t
heawar
enessofr
espondent
stot
her
equi
rement
sofdebi
tcar
dwhent
her
espondent
s

ar
egr
oupedaccor
dingt
ocour
se,
”ar
erej
ect
ed.

When t
her
espondent
sar
egr
ouped accor
ding t
o mont
hlysal
ary
,ther
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof

.
010andnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
tha

p-
val
ueof.
070.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e1% notduet
o

chanceand7%duet
ochance,r
espect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
her
equi
rement
sofcr
edi
tcar
dwhent
he

r
espondent
s ar
e gr
ouped accor
ding t
o mont
hlysal
ary
,”i
srej
ect
ed whi
l
ethe nul
l

hy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
omont
hly
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 74
ds|

sal
ary
,”i
saccept
ed.

Ther
esear
cher
sconduct
edaPostHoct
estwhi
chi
ndi
cat
est
her
elat
ionshi
pof

t
heage,cour
seandmont
hlysal
arygr
oupsbasedont
heawar
enessofr
espondent
sto

t
her
equi
rement
s,appl
i
cat
ionpr
ocess,bi
l
li
ngandt
ermsandcondi
ti
onsofcr
edi
tand

debi
tcar
ds.P-
val
uesandmeandi
ff
erencesar
ecompar
edi
nor
dert
odet
ermi
net
he

cor
respondi
ngr
elat
ionshi
p.

Uponr
efer
encet
oages21andunder
,ap-
val
ueof.
012i
ndi
cat
est
hatt
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
her
equi
rement
sofcr
edi
t

car
dascompar
edt
oages35t
o44.Ameandi
ff
erenceof-
.43279i
ndi
cat
est
hatages35

t
o44ar
emor
eawar
etot
her
equi
rement
sofcr
edi
tcar
dthanages21andunder
.

Uponr
efer
encet
oages21andunder
,p-
val
uesof.
988,.
406,.
666,.
232and.
616

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dascompar
edt
oages22t
o34,35t
o44,45t
o54,55t
o64

and65andabov
e.Meandi
ff
erencesof-
.05107,-
.26723,-
.28671,-
.69580,and-
.69580

i
ndi
cat
ethatages22t
o34,35t
o44,45t
o54,55t
o64and65andabov
ear
emor
e

awar
etot
her
equi
rement
sofdebi
tcar
dthanages21andunder
.

Uponr
efer
encet
oages22t
o34,p-
val
uesof.
988,.
723,.
850,.
335and.
700

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dascompar
edt
oages21andunder
,35t
o44,
45t
o54,
55t
o

64and65andabov
e.Ameandi
ff
erenceof.
05107i
ndi
cat
est
hatages22t
o34ar
e

mor
eawar
etot
her
equi
rement
sofdebi
tcar
dthanages21andunder
.Incont
rast
,mean

di
ff
erencesof-
.21617,
-.
23565,
-.
64474and-
.64474i
ndi
cat
ethatages35t
o44,
45t
o54,

55t
o64and65andabov
ear
emor
eawar
etot
her
equi
rement
sofdebi
tcar
dthanages
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 75
ds|

22t
o34.

Uponr
efer
encet
oages35t
o44,p-
val
uesof.
406,.
723,1.
000,.
806and.
939

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dascompar
edt
oages21andunder
,22t
o34,
45t
o54,
55t
o

64and65andabov
e.Meandi
ff
erencesof.
26723and.
21617i
ndi
cat
ethatages35t
o

44ar
emor
eawar
etot
her
equi
rement
sofdebi
tcar
dthanages21andunderand22t
o

34.I
ncont
rast
,meandi
ff
erencesof-
.01948,-
.42857and-
.42857i
ndi
cat
ethatages45

t
o54,
55t
o64and65andabov
ear
emor
eawar
etot
her
equi
rement
sofdebi
tcar
dthan

ages35t
o44.

Uponr
efer
encet
oages45t
o54,p-
val
uesof.
666,.
850,1.
000,.
871and.
957

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dascompar
edt
oages21andunder
,22t
o34,
35t
o44,
55t
o

64and65andabov
e.Meandi
ff
erencesof.
28671,
.23565and.
01948i
ndi
cat
ethatages

45t
o54ar
emor
eawar
etot
her
equi
rement
sofdebi
tcar
dthanages21andunder
,22

t
o34and35t
o44.I
ncont
rast
,meandi
ff
erencesof-
.40909and-
.4090i
ndi
cat
est
hat

ages55t
o64andages65andabov
ear
emor
eawar
etot
her
equi
rement
sofdebi
tcar
d

t
hanages45t
o54.

Uponr
efer
encet
oages55t
o64,p-
val
uesof.
232,.
335,.
806,.
871and1.
000

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dascompar
edt
oages21andunder
,22t
o34,
35t
o44,
45t
o

54and65andabov
e.Meandi
ff
erencesof.
69580,.
64474,.
42857,and.
40909i
ndi
cat
e

t
hatages55t
o64ar
emor
eawar
etot
her
equi
rement
sofdebi
tcar
dthanages21and

under
,22t
o34,35t
o44and45t
o54.Fur
ther
mor
e,ameandi
ff
erenceof.
00000
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 76
ds|

i
ndi
cat
es t
hatages 55 t
o 64 and ages 65 and abov
e ar
e equal
l
yawar
etot
he

r
equi
rement
sofdebi
tcar
d.

Uponr
efer
encet
oBachel
orofSci
encei
nAccount
ancyst
udent
s(BSA)
,ap-
val
ue

of.
056i
ndi
cat
est
hatt
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
s

t
other
equi
rement
sofcr
edi
tcar
dascompar
edt
onon-
teachi
ngper
sonnel
.Amean

di
ff
erenceof-
.76389i
ndi
cat
est
hatnon-
teachi
ngper
sonnelar
emor
eawar
etot
he

r
equi
rement
sofcr
edi
tcar
dthanBSAst
udent
s.

Uponr
efer
encet
oIndust
ri
alEngi
neer
ing(
IE)st
udent
s,ap-
val
ueof.
025i
ndi
cat
es

t
hatt
her
eis a si
gni
fi
cantdi
ff
erence i
nthe awar
eness ofr
espondent
stot
he

r
equi
rement
sofdebi
tcar
dascompar
edt
oteachi
ngper
sonnel
.A meandi
ff
erence

of-
.62892i
ndi
cat
est
hatt
eachi
ngper
sonnelar
emor
eawar
etot
her
equi
rement
sof

debi
tcar
dthanI
Est
udent
s.

Uponr
efer
encet
oamont
hlysal
aryof10,
000-
30,
000,ap-
val
ueof.
009i
ndi
cat
es

t
hatt
her
eis a si
gni
fi
cantdi
ff
erence i
nthe awar
eness ofr
espondent
stot
he

r
equi
rement
sofcr
edi
tcar
dascompar
edt
oamont
hlysal
aryofbel
ow10,
000.Amean

di
ff
erenceof.
25824i
ndi
cat
est
hatr
espondent
swi
thamont
hlysal
aryof10,
000-
30,
000

ar
emor
eawar
etot
her
equi
rement
sofcr
edi
tcar
dthanr
espondent
swi
thamont
hly

sal
aryofbel
ow10,
000.

Uponr
efer
encet
oamont
hlysal
aryof30,
001-
70,
000,ap-
val
ueof.
027i
ndi
cat
es

t
hatt
her
eis a si
gni
fi
cantdi
ff
erence i
nthe awar
eness ofr
espondent
stot
he

r
equi
rement
sofcr
edi
tcar
dascompar
edt
oamont
hlysal
aryofbel
ow10,
000.Amean

di
ff
erenceof.
25868i
ndi
cat
est
hatr
espondent
swi
thamont
hlysal
aryof30,
001-
70000

ar
emor
eawar
etot
her
equi
rement
sofcr
edi
tcar
dthanr
espondent
swi
thamont
hly
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 77
ds|

sal
aryofbel
ow10,
000.

Uponr
efer
encet
oamont
hlysal
aryofbel
ow 10,
000,p-
val
uesof.
009and.
027

i
ndi
cat
ethatt
her
ear
esi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

r
equi
rement
sofcr
edi
tcar
dascompar
edt
omont
hlysal
ari
esof10,
000-
30,
000and

30,
001-
70,
000,r
espect
ivel
y.Mean di
ff
erencesof-
.25824 and -
.25868 i
ndi
cat
ethat

r
espondent
swi
thmont
hlysal
ari
esof10,
000-
30,
000and30,
001-
70,
000ar
emor
eawar
e

t
other
equi
rement
sofcr
edi
tcar
dthanr
espondent
swi
thamont
hlysal
aryofbel
ow

10,
000.

Table4.1
Dif
ferencei
ntheAwarenessofRespondentstotheRequi
rement
sofCr edit
andDebitCar
dsAccordingtoDemographi
cs
MeanSquare Sig. MeanSquar e Sig.
Age (
Credi
t) (Credit
) (Debi
t) (Debit)
Between
Groups 1.
110 0.005 0.
960 0.032
Within
Groups 0.
330   0.
388  
Gender
Between
Groups 0.
000 0.978 0.
297 0.387
Within
Groups 0.
340   0.
396  
Mar i
tal
Status
Between
Groups 1.
667 0.007 0.
677 0.181
Within
Groups 0.
333   0.
394  
Occupat i
on
Between
Groups 4.
137 0.000 4.
345 0.001
Within
Groups 0.
330   0.
386  
Cour se
Between
Groups 0.
762 0.002 0.
695 0.027
Within
Groups 0.
322   0.
383  
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 78
ds|

Monthly
Salar
y
Between
Groups 1.
284 0.
010 0.
929 0.
070
Withi
n
Groups 0.
332   0.
391  

Tabl
e4.
2pr
esent
sthatwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,

t
her
e ar
e no si
gni
fi
cantdi
ff
erences i
nthe awar
eness oft
he r
espondent
stot
he

appl
i
cat
ionpr
ocessofcr
edi
tanddebi
tcar
dswi
thp-
val
uesof.
092and.
894,
respect
ivel
y,

andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e9.
2% and89.
4% duet
o

chance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
stot
he appl
i
cat
ion pr
ocess ofcr
edi
tcar
d when t
he r
espondent
s ar
e

gr
oupedaccor
dingt
oage,
”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
stot
heappl
i
cat
ionpr
ocessofdebi
tcar
dwhent
her
espondent
sar
egr
ouped

accor
dingt
oage,
”ar
eaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ogender
,ther
ear
enosi
gni
fi
cant

di
ff
erencesi
nthe awar
enessoft
he r
espondent
swi
th p-
val
uesof.
535 and .
263,

r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e53.
5% and

26.
3% duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
eness ofr
espondent
stot
he appl
i
cat
ion pr
ocess ofcr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
ogender
,”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
n

t
heawar
enessofr
espondent
stot
heappl
i
cat
ion pr
ocessofdebi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
ogender
,”ar
eaccept
ed.

When t
he r
espondent
s ar
e gr
ouped accor
ding t
o mar
it
alst
atus,t
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 79
ds|

.
030andnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
tha

p-
val
ueof.
385.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e3% notduet
o

chance and 38.

5% due t
o chance,r
espect
ivel
y.The nul
lhy
pot
hesi
s“t
her
eis no

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessof

cr
edi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
omar
it
alst
atus,
”isr
eject
ed

whi
l
ethe nul
lhy
pot
hesi
s“t
her
eis no si
gni
fi
cantdi
ff
erence i
nthe awar
eness of

r
espondent
stot
heappl
i
cat
ionpr
ocessofdebi
tcar
dwhent
her
espondent
sar
egr
ouped

accor
dingt
omar
it
alst
atus,
”isaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
ther
eisasi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof.
003andno

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
thap-
val
ueof

.
971.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e.3%notduet
ochanceand

97.
1%duet
ochance,
respect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erence

i
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dwhent
he

r
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
”isr
eject
edwhi
l
ethenul
lhy
pot
hesi
s

“
ther
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ion

pr
ocessofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
”is

accept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ocour
se,t
her
eisasi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof.
000andno

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
thap-
val
ueof

.
540.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e0%notduet
ochanceand

54%duet
ochance,r
espect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erence
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 80
ds|

i
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dwhent
he

r
espondent
sar
egr
oupedaccor
dingt
ocour
se,
”isr
eject
edwhi
l
ethenul
lhy
pot
hesi
s

“
ther
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ion

pr
ocessofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
ocour
se,
”is

accept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,ther
ear
eno

si
gni
fi
cantdi
ff
erencesi
ntheawar
enessoft
her
espondent
swi
thp-
val
uesof.
114and

.
575,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e11.
4%

and57.
5%duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
eness ofr
espondent
stot
he appl
i
cat
ion pr
ocess ofcr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,”and“
ther
eisnosi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessofdebi
tcar
d

whent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,”ar
eaccept
ed.

Uponr
efer
encet
oPostHoct
est
,ManagementAccount
ing(
MA)st
udent
s,ap-

v
alueof.
054 i
ndi
cat
est
hatt
her
eisa si
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
stot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dascompar
edt
oIEst
udent
s.A

mean di
ff
erence of.
60427 i
ndi
cat
es t
hatMA st
udent
s ar
e mor
e awar
etot
he

appl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
Est
udent
s.

Uponr
efer
encet
oMar
ket
ing(
MK)st
udent
s,ap-
val
ueof.
014i
ndi
cat
est
hatt
her
e

i
sasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessof

cr
edi
tcar
dascompar
edt
oIEst
udent
s.Ameandi
ff
erenceof.
67860i
ndi
cat
est
hatMK

st
udent
sar
emor
eawar
etot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
Est
udent
s.

Uponr
efer
encet
oTour
ism st
udent
s,ap-
val
ueof.
002i
ndi
cat
est
hatt
her
eisa
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 81
ds|

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessof

cr
edi
tcar
dascompar
edt
oIEst
udent
s.Ameandi
ff
erenceof.
79538i
ndi
cat
est
hat

Tour
ism st
udent
sar
emor
eawar
etot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
E

st
udent
s.

Uponr
efer
encet
oMassCom st
udent
s,ap-
val
ueof.
029i
ndi
cat
est
hatt
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessof

cr
edi
tcar
dascompar
edt
oIEst
udent
s.Ameandi
ff
erenceof.
80769i
ndi
cat
est
hat

MassCom st
udent
sar
emor
eawar
etot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
E

st
udent
s.

Uponr
efer
encet
oteachi
ngper
sonnel
,ap-
val
ueof.
000i
ndi
cat
est
hatt
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessof

cr
edi
tcar
dascompar
edt
oIEst
udent
s.Ameandi
ff
erenceof.
95489i
ndi
cat
est
hat

t
eachi
ngper
sonnelar
emor
eawar
etot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
E

st
udent
s.

Uponr
efer
encet
onon-
teachi
ngper
sonnel
,ap-
val
ueof.
010i
ndi
cat
est
hatt
her
e

i
sasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
heappl
i
cat
ionpr
ocessof

cr
edi
tcar
dascompar
edt
oIEst
udent
s.Ameandi
ff
erenceof.
66168i
ndi
cat
est
hatnon-

t
eachi
ngper
sonnelar
emor
eawar
etot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
E

st
udent
s.

Uponr
efer
encet
oIEst
udent
s,p-
val
uesof.
054,.
014,.
002,.
029,.
000and.
010

i
ndi
cat
est
hatt
her
ear
esi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
he

appl
i
cat
ionpr
ocessofcr
edi
tcar
dascompar
edt
oMA,MK,Tour
ism andMassCom

st
udent
s,aswel
last
eachi
ngandnon-
teachi
ngper
sonnel
,respect
ivel
y.Meandi
ff
erence
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 82
ds|

of-
.60427,-
.67860,-
.79538,-
.80769,-
.95489,-
.66168i
ndi
cat
est
hatMA,MK,Tour
ism

andMassCom st
udent
s,aswel
last
eachi
ngandnon-
teachi
ngper
sonnelar
emor
e

awar
etot
heappl
i
cat
ionpr
ocessofcr
edi
tcar
dthanI
Est
udent
s.

Table4.
2
Diff
erencei
ntheAwar enessofRespondentst
otheAppli
cationPr
ocessof
Cr
editandDebitCar
dsAccordingt
oDemogr aphics
MeanSquar e Sig. MeanSquare Sig.
Age (Credi
t) (Credi
t) ( Debi
t) (Debit
)
Between
Groups 0.857 0.
092 0.230 0.
894
Within
Groups 0.449   0.693  
Gender
Between
Groups 0.176 0.
535 0.861 0.
263
Within
Groups 0.455   0.686  
Mar i
tal
Status
Between
Groups 1.585 0.
030 0.657 0.
385
Within
Groups 0.449   0.687  
Occupat i
on
Between
Groups 4.111 0.
003 0.001 0.
971
Within
Groups 0.445   0.688  
Cour se
Between
Groups 1.152 0.
000 0.637 0.
540
Within
Groups 0.425   0.689  
Mont hl
y
Salary
Between
Groups 0.901 0.
114 0.457 0.
575
Within
Groups 0.451   0.688  

Tabl
e4.
3pr
esent
sthatwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 83
ds|

t
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofcr
edi
t

car
d wi
th a p-
val
ue of.
011 and no si
gni
fi
cantdi
ff
erence i
nthe awar
eness of

r
espondent
stodebi
tcar
dwi
thap-
val
ueof.
192.What
everdi
ff
erencest
her
ear
eint
he

awar
enessar
e1.
1%notduet
ochanceand19.
2%duet
ochance,r
espect
ivel
y.Thenul
l

hy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
he

bi
l
li
ngofcr
edi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,
”isr
eject
ed

whi
l
ethe nul
lhy
pot
hesi
s“t
her
eis no si
gni
fi
cantdi
ff
erence i
nthe awar
eness of

r
espondent
stot
hebi
l
li
ngofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
o

age,
”isaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ogender
,ther
ear
enosi
gni
fi
cant

di
ff
erencesi
nthe awar
enessoft
he r
espondent
swi
th p-
val
uesof.
534 and .
281,

r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e53.
4% and

28.
1% duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
enessofr
espondent
stot
hebi
l
li
ng ofcr
edi
tcar
d when t
her
espondent
sar
e

gr
oupedaccor
dingt
ogender
,”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
eness

ofr
espondent
stot
hebi
l
li
ngofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
ding

t
ogender
,”ar
eaccept
ed.

When t
he r
espondent
s ar
e gr
ouped accor
ding t
o mar
it
alst
atus,t
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof

.
006andnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
tha

p-
val
ueof.
301.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e.6% notduet
o

chance and 30.

1% due t
o chance,r
espect
ivel
y.The nul
lhy
pot
hesi
s“t
her
eis no

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofcr
edi
tcar
dwhen
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 84
ds|

t
her
espondent
sar
egr
oupedaccor
dingt
omar
it
alst
atus,
”isr
eject
edwhi
l
ethenul
l

hy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
he

bi
l
li
ngofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
omar
it
alst
atus,
”is

accept
ed.

When t
he r
espondent
s ar
e gr
ouped accor
ding t
o occupat
ion,t
her
e ar
e no

si
gni
fi
cantdi
ff
erencesi
ntheawar
enessoft
her
espondent
swi
thp-
val
uesof.
159and

.
199,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e15.
9%

and19.
9%duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
enessofr
espondent
stot
hebi
l
li
ng ofcr
edi
tcar
d when t
her
espondent
sar
e

gr
ouped accor
ding t
o occupat
ion,
”and “
ther
eis no si
gni
fi
cantdi
ff
erence i
nthe

awar
enessofr
espondent
stot
he bi
l
li
ng ofdebi
tcar
d when t
he r
espondent
sar
e

gr
oupedaccor
dingt
ooccupat
ion,
”ar
eaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ocour
se,t
her
ear
esi
gni
fi
cant

di
ff
erencesi
nthe awar
enessoft
he r
espondent
swi
th p-
val
uesof.
002 and .
001,

r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e.2%and.
1%

notdue t
o chance.The nul
lhy
pot
hesi
s“t
her
eis no si
gni
fi
cantdi
ff
erence i
nthe

awar
enessofr
espondent
stot
hebi
l
li
ng ofcr
edi
tcar
d when t
her
espondent
sar
e

gr
oupedaccor
dingt
ocour
se,
”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
eness

ofr
espondent
stot
hebi
l
li
ngofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
ding

t
ocour
se,
”ar
erej
ect
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,ther
eisno

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof

.
467andasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
thap
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 85
ds|

-
val
ueof.
049.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e46.
7%duet
ochance

and4.
9% notduet
ochance,r
espect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofcr
edi
tcar
dwhent
he

r
espondent
sar
egr
ouped accor
ding t
o mont
hlysal
ary
,”i
saccept
ed whi
l
ethenul
l

hy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
he

bi
l
li
ngofdebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,”i
s

r
eject
ed.

Uponr
efer
encet
oPostHoct
est
,ages21andunder
,p-
val
uesof.
918,
.722,
.256,

.
306and.
543i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessof

r
espondent
stobi
l
li
ngofcr
edi
tcar
dascompar
edt
oages22t
o34,
35t
o44,
45t
o54,
55

t
o64and65andabov
e.Ameandi
ff
erenceof.
08414i
ndi
cat
est
hatages21andunder

ar
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages22t
o34.I
ncont
rast
,mean

di
ff
erencesof-
.20759,-
.43357,-
.67902,and-
.77902i
ndi
cat
ethatages35t
o44,45t
o

54,
55t
o64and65andabov
ear
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages21

andunder
.

Uponr
efer
encet
oages22t
o34,p-
val
uesof.
918,.
457,.
138,.
204,and.
436

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

bi
l
li
ngofcr
edi
tcar
dascompar
edt
oages21andunder
,35t
o44,
45t
o54,
55t
o64and

65andabov
e.A meandi
ff
erenceof-
.08414,-
.29173,-
.51770,-
.76316,and-
.86316

i
ndi
cat
est
hatages21andunder
,35t
o44,45t
o54,55t
o64and65andabov
ear
e

mor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages22t
o34.

Uponr
efer
encet
oages35t
o44,p-
val
uesof.
722,.
457,.
938,.
770,and.
844

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 86
ds|

bi
l
li
ngofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,
45t
o54,
55t
o64and

65andabov
e.Ameandi
ff
erenceof.
20759and.
29173i
ndi
cat
est
hatages35t
o44ar
e

mor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages21andunderand22t
o34.I
ncont
rast
,

meandi
ff
erencesof-
.22597,
-.47143,
and-
.57143i
ndi
cat
ethatages45t
o54,
55t
o64,

and65andabov
ear
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages35t
o44.

Uponr
efer
encet
oages45t
o54,p-
val
uesof.
256,.
138,.
938,.
987,and.
983

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

bi
l
li
ngofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,
35t
o44,
55t
o64and

65andabov
e.Ameandi
ff
erenceof.
43357,.
51770,and.
22597i
ndi
cat
est
hatages45

t
o54ar
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages21andunder
,22t
o34and

35t
o44.I
ncont
rast
,meandi
ff
erencesof-
.24545,
and-
.34545i
ndi
cat
ethatages55t
o

64,
and65andabov
ear
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages45t
o54.

Uponr
efer
encet
oages55t
o64,p-
val
uesof.
306,.
204,.
770,.
987,and1.
000

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

bi
l
li
ngofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,
35t
o44,
45t
o54,
and

65andabov
e.Ameandi
ff
erenceof.
67902,.
76316,.
47143,and.
24545i
ndi
cat
est
hat

ages55t
o64ar
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages21andunder
,22t
o

34,
35t
o44,
and45t
o54.I
ncont
rast
,meandi
ff
erencesof-
.10000i
ndi
cat
ethatages65

andabov
ear
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages55t
o64.

Uponr
efer
encet
oages65andabov
e,p-
val
uesof.
543,.
436,.
844,.
983,and

1.
000i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
s

t
obi
l
li
ngofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,
35t
o44,
45t
o54,

and55t
o64.Ameandi
ff
erenceof.
77902,
.86316,
.57143,
.34545,
and.
10000i
ndi
cat
es
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 87
ds|

t
hatages65andabov
ear
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanages21and

under
,22t
o34,
35t
o44,
45t
o54and55t
o64.

Uponr
efer
encet
oHot
elandRest
aur
antManagement(
HRM)st
udent
s,ap-
val
ue

of.
003i
ndi
cat
est
hatt
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
s

t
othebi
l
li
ngofcr
edi
tcar
dascompar
edt
oteachi
ngper
sonnel
.A meandi
ff
erence

of-
.77315i
ndi
cat
est
hatt
eachi
ngper
sonnelar
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
d

t
hanHRM st
udent
s.

Upon r
efer
ence t
oIE st
udent
s,a p-
val
ue of.
001 i
ndi
cat
es t
hatt
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofcr
edi
tcar
das

compar
edt
oteachi
ngper
sonnel
.Ameandi
ff
erenceof-
.78148i
ndi
cat
est
hatt
eachi
ng

per
sonnel
aremor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanI
Est
udent
s.

Uponr
efer
encet
oEl
ect
roni
csCommuni
cat
ionEngi
neer
ing(
ECE)st
udent
s,ap-

v
alueof.
049 i
ndi
cat
est
hatt
her
eisa si
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
stot
hebi
l
li
ngofcr
edi
tcar
dascompar
edt
oteachi
ngper
sonnel
.Amean

di
ff
erenceof-
.70648i
ndi
cat
est
hatt
eachi
ngper
sonnelar
emor
eawar
etot
hebi
l
li
ngof

cr
edi
tcar
dthanECEst
udent
s.

Uponr
efer
encet
onon-
teachi
ngper
sonnel
,ap-
val
ueof.
035i
ndi
cat
est
hatt
her
e

i
sasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofcr
edi
tcar
d

as compar
ed t
oteachi
ng per
sonnel
.A mean di
ff
erence of-
.58704 i
ndi
cat
es t
hat

t
eachi
ngper
sonnelar
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthannon-
teachi
ng

per
sonnel
.

Uponr
efer
encet
oteachi
ngper
sonnel
,p-
val
uesof.
003,.
001,.
049,.
035i
ndi
cat
e

t
hatt
her
ear
esi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
hebi
l
li
ngof
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 88
ds|

cr
edi
tcar
d as compar
ed t
o HRM,I
E and ECE st
udent
s,as wel
las non-
teachi
ng

per
sonnel
,respect
ivel
y.Meandi
ff
erencesof.
77315,
.78148,
.70648and.
58704i
ndi
cat
e

t
hatt
eachi
ngper
sonnelar
emor
eawar
etot
hebi
l
li
ngofcr
edi
tcar
dthanHRM,I
Eand

ECEst
udent
s,aswel
lasnon-
teachi
ngper
sonnel
.

Upon r
efer
ence t
o Fi
nanci
alManagement(
FM)st
udent
s,a p-
val
ue of.
002

i
ndi
cat
est
hatt
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
he

bi
l
li
ngofdebi
tcar
dascompar
edt
oECEst
udent
s.A meandi
ff
erenceof-
.1.
00000

i
ndi
cat
est
hatECEst
udent
sar
emor
eawar
etot
hebi
l
li
ngofdebi
tcar
dthanFM st
udent
s.

Uponr
efer
encet
oHRM st
udent
s,ap-
val
ueof.
034i
ndi
cat
est
hatt
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofdebi
tcar
das

compar
edt
oPsy
chol
ogyst
udent
s.Ameandi
ff
erenceof.
78788i
ndi
cat
est
hatHRM

st
udent
sar
emor
eawar
etot
hebi
l
li
ngofdebi
tcar
dthanPsy
chol
ogyst
udent
s.

Uponr
efer
encet
onon-
teachi
ngper
sonnel
,ap-
val
ueof.
004i
ndi
cat
est
hatt
her
e

i
sasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofdebi
tcar
das

compar
edt
oECEst
udent
s.Ameandi
ff
erenceof-
.1.
02778i
ndi
cat
est
hatECEst
udent
s

ar
emor
eawar
etot
hebi
l
li
ngofdebi
tcar
dthannon-
teachi
ngper
sonnel
.

Uponr
efer
encet
oPsy
chol
ogyst
udent
s,p-
val
uesof.
034and.
001i
ndi
cat
ethat

t
her
ear
esi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofdebi
t

car
d as compar
ed t
o HRM and ECE st
udent
s.Mean di
ff
erences of -
.78788

and-
.1.
12121i
ndi
cat
ethatHRM andECEst
udent
sar
emor
eawar
etot
hebi
l
li
ngofdebi
t

car
dthanPsy
chol
ogyst
udent
s.

Uponr
efer
encet
oECEst
udent
s,p-
val
uesof.
002,.
001and.
004i
ndi
cat
ethat

t
her
ear
esi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
hebi
l
li
ngofdebi
t
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 89
ds|

car
dascompar
edt
oFM andPsy
chol
ogyst
udent
s,aswel
lasnon-
teachi
ngper
sonnel
,

r
espect
ivel
y.Meandi
ff
erencesof1.
00000,.
1.12121and1.
02778i
ndi
cat
ethatECE

st
udent
sar
emor
eawar
etot
hebi
l
li
ngofdebi
tcar
dthanFM andPsy
chol
ogyst
udent
s,

aswel
lasnon-
teachi
ngper
sonnel
.

Uponr
efer
encet
oamont
hlysal
aryof10,
000-
30,
000,ap-
val
ueof.
057i
ndi
cat
es

t
hatt
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
hebi
l
li
ngof

debi
tcar
d ascompar
ed t
o amont
hlysal
aryofabov
e70,
000.A meandi
ff
erence

of-
.42381i
ndi
cat
est
hatr
espondent
swi
thamont
hlysal
aryofabov
e70000ar
emor
e

awar
etot
hebi
l
li
ngofdebi
tcar
dthanr
espondent
swi
thamont
hlysal
aryof10,
000-

30,
000.

Table4.
3
Dif f
erencei
ntheAwarenessofRespondentstot
heBi ll
i
ngofCreditand
Debi
tCardsAccordingtoDemographics
MeanSquare Sig. MeanSquar e Sig.
Age (Cr
edit
) (Credi
t) (
Debit) (Debit
)
Between
Groups 1.289 0.
011 1.
041 0.
192
Within
Groups 0.425   0.
699  
Gender
Between
Groups 0.169 0.
534 0.
820 0.
281
Within
Groups 0.436   0.
703  
Mar i
tal
Status
Between
Groups 2.230 0.
006 0.
846 0.
301
Within
Groups 0.426   0.
703  
Occupat ion
Between
Groups 0.865 0.
159 1.
164 0.
199
Within
Groups 0.434   0.
702  
Cour se
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 90
ds|

Between
Groups 1.
004 0.
002 1.
641 0.
001
Withi
n
Groups 0.
412   0.
664  
Monthly
Salar
y
Between
Groups 0.
371 0.
467 1.
833 0.
049
Withi
n
Groups 0.
436   0.
695  

Tabl
e4.
4pr
esent
sthatwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,

t
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
het
ermsand

condi
ti
onsofcr
edi
tcar
dwi
thap-
val
ueof.
020andnosi
gni
fi
cantdi
ff
erencei
nthe

awar
enessofr
espondent
stodebi
tcar
dwi
thap-
val
ueof.
240.What
everdi
ff
erences

t
her
e ar
eint
he awar
eness ar
e 2% notdue t
o chance and 24% due t
o chance,

r
espect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
stot
het
ermsandcondi
ti
onsofcr
edi
tcar
dwhent
her
espondent
sar
e

gr
oupedaccor
dingt
oage,
”isr
eject
edwhi
l
ethenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
het
ermsandcondi
ti
onsofdebi
tcar
d

whent
her
espondent
sar
egr
oupedaccor
dingt
oage,
”isaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ogender
,ther
ear
enosi
gni
fi
cant

di
ff
erencesi
nthe awar
enessoft
he r
espondent
swi
th p-
val
uesof.
950 and .
941,

r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e95% and

94.
1% duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
eness ofr
espondent
stot
he t
erms and condi
ti
ons ofcr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
ogender
,”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
n

t
heawar
enessofr
espondent
stot
het
ermsandcondi
ti
onsofdebi
tcar
dwhent
he
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 91
ds|

r
espondent
sar
egr
oupedaccor
dingt
ogender
,”ar
eaccept
ed.

When t
he r
espondent
s ar
e gr
ouped accor
ding t
o mar
it
alst
atus,t
her
eisa

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof

.
035andnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stodebi
tcar
dwi
tha

p-
val
ueof.
552.What
everdi
ff
erencest
her
ear
eint
heawar
enessar
e3.
5% notduet
o

chance and 55.

2% due t
o chance,r
espect
ivel
y.The nul
lhy
pot
hesi
s“t
her
eis no

si
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
stot
het
ermsandcondi
ti
onsof

cr
edi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
omar
it
alst
atus,
”isr
eject
ed

whi
l
ethe nul
lhy
pot
hesi
s“t
her
eis no si
gni
fi
cantdi
ff
erence i
nthe awar
eness of

r
espondent
stot
het
ermsandcondi
ti
onsofdebi
tcar
dwhent
her
espondent
sar
e

gr
oupedaccor
dingt
omar
it
alst
atus,
”isaccept
ed.

When t
he r
espondent
s ar
e gr
ouped accor
ding t
o occupat
ion,t
her
e ar
e no

si
gni
fi
cantdi
ff
erencesi
ntheawar
enessoft
her
espondent
swi
thp-
val
uesof.
686and

.
642,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e68.
6%

and64.
2%duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
eness ofr
espondent
stot
he t
erms and condi
ti
ons ofcr
edi
tcar
d when t
he

r
espondent
s ar
e gr
ouped accor
ding t
o occupat
ion,
”and “
ther
eis no si
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
het
ermsandcondi
ti
onsofdebi
tcar
d

whent
her
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
”ar
eaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ocour
se,t
her
ear
enosi
gni
fi
cant

di
ff
erencesi
nthe awar
enessoft
he r
espondent
swi
th p-
val
uesof.
068 and .
169,

r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e6.
8% and

16.
9% duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 92
ds|

awar
eness ofr
espondent
stot
he t
erms and condi
ti
ons ofcr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
ocour
se,
”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
n

t
heawar
enessofr
espondent
stot
het
ermsandcondi
ti
onsofdebi
tcar
dwhent
he

r
espondent
sar
egr
oupedaccor
dingt
ocour
se,
”ar
eaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,ther
ear
eno

si
gni
fi
cantdi
ff
erencesi
ntheawar
enessoft
her
espondent
swi
thp-
val
uesof.
272and

.
567,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
heawar
enessar
e27.
2%

and56.
7%duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

awar
eness ofr
espondent
stot
he t
erms and condi
ti
ons ofcr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,”and“
ther
eisnosi
gni
fi
cant

di
ff
erencei
ntheawar
enessofr
espondent
stot
het
ermsandcondi
ti
onsofdebi
tcar
d

whent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,”ar
eaccept
ed.

Uponr
efer
encet
oPostHoct
est
,ages21andunder
,p-
val
uesof.
860,
.319,
.742,

.
690,and.
440i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessof

r
espondent
stot
ermsandcondi
ti
onsofcr
edi
tcar
dascompar
edt
oages22t
o34,
35t
o

44,45t
o54,55t
o64and65andabov
e.Ameandi
ff
erenceof.
09730i
ndi
cat
est
hat

ages21andunderar
emor
eawar
etot
het
ermsandcondi
ti
onsofcr
edi
tcar
dthanages

22t
o34.I
ncont
rast
,meandi
ff
erencesof-
.30307,
-.
27710,
-.
48164,
and-
.85664i
ndi
cat
e

t
hatages35t
o44,45t
o54,55t
o64and65andabov
ear
emor
eawar
etot
het
erms

andcondi
ti
onsofcr
edi
tcar
dthanages21andunder
.

Uponr
efer
encet
oages22t
o34,p-
val
uesof.
860,.
133,.
486,.
518,and.
326

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

t
ermsandcondi
ti
onsofcr
edi
tcar
dascompar
edt
oages21andunder
,35t
o44,45t
o
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 93
ds|

54,
55t
o64and65andabov
e.Ameandi
ff
erencesof-
.09730,
-.40038,
-.37440,
-.57895,

and-
.95395i
ndi
cat
ethatages21andunder
,35t
o44,45t
o54,55t
o64and65and

abov
ear
emor
eawar
etot
het
ermsandcondi
ti
onsofcr
edi
tcar
dthanages22t
o34.

Uponr
efer
encet
oages35t
o44,p-
val
uesof.
319,.
133,1.
000,.
996,and.
864

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

t
ermsandcondi
ti
onsofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,45t
o

54,55t
o64and65andabov
e.A meandi
ff
erenceof.
30307,.
40038,and.
02597

i
ndi
cat
est
hatages35t
o44ar
emor
eawar
etot
het
ermsandcondi
ti
onsofcr
edi
tcar
d

t
hanages21andunder
,22t
o34,
and45t
o54.I
ncont
rast
,meandi
ff
erencesof-
.17857,

and-
.55357i
ndi
cat
ethatages55t
o64and65andabov
ear
emor
eawar
etot
het
erms

andcondi
ti
onsofcr
edi
tcar
dthanages35t
o44.

Uponr
efer
encet
o45t
o54,p-
val
uesof.
742,.
486,1.
000,.
995,and.
860i
ndi
cat
e

t
hatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
stot
ermsand

condi
ti
onsofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,
35t
o44,
55t
o64

and65andabov
e.Ameandi
ff
erenceof.
27710,
and.
37440i
ndi
cat
est
hatages45t
o54

ar
emor
eawar
etot
het
ermsandcondi
ti
onsofcr
edi
tcar
dthanages21andunderand

22t
o34.I
ncont
rast
,meandi
ff
erencesof-
.02597,-
.20455,and-
.57955i
ndi
cat
ethat

ages35t
o44,55t
o64and65andabov
ear
emor
eawar
etot
het
ermsandcondi
ti
ons

ofcr
edi
tcar
dthanages45t
o54.

Uponr
efer
encet
oages55t
o64,p-
val
uesof.
690,.
518,.
996,.
995,and.
986

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

t
ermsandcondi
ti
onsofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,35t
o

44,45t
o54,and65andabov
e.A meandi
ff
erenceof.
48164,.
57895,.
17857,and
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 94
ds|

.
20455i
ndi
cat
est
hatages55t
o64ar
emor
eawar
etot
het
ermsandcondi
ti
onsof

cr
edi
tcar
dthanages21andunder
,22t
o34,35t
o44,and45t
o54.I
ncont
rast
,mean

di
ff
erencesof-
.37500i
ndi
cat
ethatages65andabov
ear
emor
eawar
etot
het
ermsand

condi
ti
onsofcr
edi
tcar
dthanages55t
o64.

Uponr
efer
encet
oages65andabov
e,p-
val
uesof.
440,
.326,
.864,
.860,
and.
986

i
ndi
cat
ethatt
her
ear
enosi
gni
fi
cantdi
ff
erencesi
ntheawar
enessofr
espondent
sto

t
ermsandcondi
ti
onsofcr
edi
tcar
dascompar
edt
oages21andunder
,22t
o34,35t
o

44,45t
o54,and55t
o64.Ameandi
ff
erenceof.
85664,.
95395,.
55357,.
57955,and

.
37500i
ndi
cat
est
hatages65andabov
ear
emor
eawar
etot
het
ermsandcondi
ti
onsof

cr
edi
tcar
dthanages21andunder
,22t
o34,
35t
o44,
45t
o54and55t
o64.

Table4.
4
Differ
enceintheAwar enessofRespondentstotheTermsandCondi tions
ofCredi
tandDebi tCar
dsAccor di
ngtoDemographics
MeanSquar e Sig. MeanSquare Sig.
Age (Credi
t) (Credi
t) ( Debi
t) (Debit)
Between
Groups 1.162 0.
020 0.591 0.240
Within
Groups 0.430   0.435  
Gender
Between
Groups 0.001 0.
950 0.002 0.941
Within
Groups 0.440   0.438  
Mar i
tal
Status
Between
Groups 1.468 0.
035 0.260 0.552
Within
Groups 0.434   0.438  
Occupat i
on
Between
Groups 0.072 0.
686 0.095 0.642
Within
Groups 0.440   0.438  
Cour se
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 95
ds|

Between
Groups 0.
683 0.
068 0.
578 0.
169
Withi
n
Groups 0.
429   0.
431  
Monthly
Salar
y
Between
Groups 0.
572 0.
272 0.
297 0.
567
Withi
n
Groups 0.
438   0.
438  

Tabl
e4.
5pr
esent
sthatwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,

t
her
ear
enosi
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessoft
her
espondent
stoappl
yfor

cr
edi
tanddebi
tcar
dswi
thp-
val
uesof.
151and.
771,r
espect
ivel
y,andt
hatwhat
ever

di
ff
erencet
her
eisi
nthewi
l
li
ngnessi
s15.
1% and77.
1% duet
ochance.Thenul
l

hy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessofr
espondent
stoappl
y

f
oracr
edi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
oage,
”and“
ther
eisno

si
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessofr
espondent
stoappl
yforadebi
tcar
dwhen

t
her
espondent
sar
egr
oupedaccor
dingt
oage,
”ar
eaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ogender
,ther
eisnosi
gni
fi
cant

di
ff
erencei
nthewi
l
li
ngnessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof.
349anda

si
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessofr
espondent
stodebi
tcar
dwi
thap-
val
ueof

.
012.What
everdi
ff
erencest
her
ear
eint
hewi
l
li
ngnessar
e34.
9% duet
ochanceand

1.
2% notduet
o chance,r
espect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisno si
gni
fi
cant

di
ff
erence i
nthe wi
l
li
ngnessofr
espondent
sto appl
yfora cr
edi
tcar
d when t
he

r
espondent
sar
egr
oupedaccor
dingt
ogender
,”i
saccept
edwhi
l
ethenul
lhy
pot
hesi
s

“
ther
eisnosi
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessofr
espondent
stoappl
yforadebi
t

car
dwhent
her
espondent
sar
egr
oupedaccor
dingt
ogender
,”i
srej
ect
ed.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 96
ds|

Whent
her
espondent
sar
egr
oupedaccor
dingt
omar
it
alst
atus,t
her
ear
eno

si
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessoft
her
espondent
swi
thp-
val
uesof.
469and

.
422,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
hewi
l
li
ngnessar
e46.
9%

and42.
2%duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

wi
l
li
ngnessofr
espondent
stoappl
yforacr
edi
tcar
dwhent
her
espondent
sar
egr
ouped

accor
dingt
omar
it
alst
atus,
”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessof

r
espondent
stoappl
yforadebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
o

mar
it
alst
atus,
”ar
eaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
ther
eisasi
gni
fi
cant

di
ff
erencei
nthewi
l
li
ngnessofr
espondent
stocr
edi
tcar
dwi
thap-
val
ueof.
053andno

si
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessofr
espondent
stodebi
tcar
dwi
thap-
val
ueof

.
535.What
everdi
ff
erencest
her
ear
eint
hewi
l
li
ngnessar
e5.
3%notduet
ochanceand

53.
5%duet
ochance,
respect
ivel
y.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erence

i
nthewi
l
li
ngnessofr
espondent
stoappl
yforacr
edi
tcar
dwhent
her
espondent
sar
e

gr
oupedaccor
dingt
ooccupat
ion,
”isr
eject
edwhi
l
ethenul
lhy
pot
hesi
s“t
her
eisno

si
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessofr
espondent
stoappl
yforadebi
tcar
dwhen

t
her
espondent
sar
egr
oupedaccor
dingt
ooccupat
ion,
”isaccept
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
ocour
se,t
her
ear
esi
gni
fi
cant

di
ff
erencesi
nthewi
l
li
ngnessoft
her
espondent
swi
th p-
val
uesof.
050 and .
000,

r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
hewi
l
li
ngnessar
e5%and0%

notdue t
o chance.The nul
lhy
pot
hesi
s“t
her
eis no si
gni
fi
cantdi
ff
erence i
nthe

wi
l
li
ngnessofr
espondent
stoappl
yforacr
edi
tcar
dwhent
her
espondent
sar
egr
ouped

accor
ding t
o cour
se,
”and “
ther
eisno si
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessof
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 97
ds|

r
espondent
stoappl
yforadebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
o

cour
se,
”ar
erej
ect
ed.

Whent
her
espondent
sar
egr
oupedaccor
dingt
omont
hlysal
ary
,ther
ear
eno

si
gni
fi
cantdi
ff
erencesi
nthewi
l
li
ngnessoft
her
espondent
swi
thp-
val
uesof.
161and

.
146,r
espect
ivel
y,andt
hatwhat
everdi
ff
erencest
her
ear
eint
hewi
l
li
ngnessar
e16.
1%

and14.
6%duet
ochance.Thenul
lhy
pot
hesi
s“t
her
eisnosi
gni
fi
cantdi
ff
erencei
nthe

wi
l
li
ngnessofr
espondent
stoappl
yforacr
edi
tcar
dwhent
her
espondent
sar
egr
ouped

accor
dingt
omont
hlysal
ary
,”and“
ther
eisnosi
gni
fi
cantdi
ff
erencei
nthewi
l
li
ngnessof

r
espondent
stoappl
yforadebi
tcar
dwhent
her
espondent
sar
egr
oupedaccor
dingt
o

mont
hlysal
ary
,”ar
eaccept
ed.

Tabl e4.5
Differ
enceint
heWil
li
ngnessofRespondentstoApplyf
orCredi
tandDebi t
CardsAccor
dingt oDemographi
cs
MeanSquare Sig. MeanSquare Sig.
Age (Cr
edi
t) (Credit
) (
Debit
) (Debit
)
Between
Groups 0.
403 0.
151 0.
104 0.
771
Within
Groups 0.
247   0.
206  
Gender
Between
Groups 0.
219 0.
349 1.
279 0.
012
Within
Groups 0.
249   0.
202  
Mar i
tal
Status
Between
Groups 0.
189 0.
469 0.
177 0.
422
Within
Groups 0.
249   0.
204  
Occupat i
on
Between
Groups 0.
928 0.
053 0.
079 0.
535
Within 0.
247   0.
205  
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 98
ds|

Groups
Course
Between
Groups 0.
404 0.
050 0.
612 0.
000
Withi
n
Groups 0.
243   0.
187  
Monthly
Salar
y
Between
Groups 0.
428 0.
161 0.
366 0.
146
Withi
n
Groups 0.
248   0.
203  

Concl
usi
on

Basedont
hor
oughanal
ysi
sandi
nter
pret
ati
onofr
esul
ts,t
her
esear
cher
shav
edr
awn

t
hef
oll
owi
ngconcl
usi
ons:

1.Thef
oll
owi
ngi
sthepr
ofi
l
eoft
her
espondent
s:

a.I
nter
msoft
her
espondent
s’age,domi
nantper
cent
ageofr
espondent
s

bel
ongst
othegr
oupof21y
ear
sol
dandunder
,fol
l
owedby22t
o34y
ear
s

ol
d,35t
o44y
ear
sol
d,45t
o54y
ear
sol
dand55t
o64y
ear
sol
d.Wher
eas,

t
hel
owestper
cent
ageofr
espondent
sbel
ongst
othegr
oupof65y
ear
s

ol
dandabov
e(r
ef:
Tabl
e1.
1.1,
pg.24)
;

b.I
nter
msoft
her
espondent
s’gender
,mor
ethanhal
foft
her
espondent
s

ar
efemal
ewhi
l
ether
emai
ningper
cent
agesar
eper
cei
vedbymal
es(
ref
:

Tabl
e1.
1.2,
pg.24)
;

c.I
nter
msoft
her
espondent
’smar
it
alst
atus,maj
ori
tyoft
her
espondent
s

ar
esi
ngl
e,f
oll
owedbymar
ri
edr
espondent
s,whi
l
ethel
eastper
cent
ageof

r
espondent
sbel
ongst
othegr
oupofsepar
ated.(
ref
:Tabl
e1.
1.3,
pg.24)
;
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 99
ds|

d.I
nter
ms of t
he r
espondent
s’occupat
ion,mor
ethan hal
f of t
he

r
espondent
s ar
e st
udent
s whi
l
e t
he r
emai
ning per
cent
ages ar
e

di
sti
ngui
shedt
obewor
king.(
Tabl
e1.
1.4,
pg.25)
;

e.I
nter
msoft
her
espondent
s’cour
seandwor
k,hi
ghestper
cent
ageof

r
espondent
s ar
e Fi
nanci
alManagementst
udent
s,f
oll
owed by Non-

Teachi
ng per
sonnel
,Psy
chol
ogy
,ManagementAccount
ing,Mar
ket
ing

st
udent
s, Teachi
ng per
sonnel
,Indust
ri
al Engi
neer
ing, I
nfor
mat
ion

Technol
ogy
,Tour
ism,Hot
eland Rest
aur
antManagement
,Cr
imi
nol
ogy
,

El
ect
roni
cs Communi
cat
ion Engi
neer
ing, Comput
er Engi
neer
ing,

Account
ancy and Human Resour
ce and Dev
elopment Management

st
udent
s.Wher
eas,t
hel
eastgr
oupper
cent
agei
scomposedofNur
sing

st
udent
s.(
ref
:Tabl
e1.
1.5,
pg.25)
;

f
.Int
erms oft
he r
espondent
s’mont
hlysal
ary
,mor
ethan hal
foft
he

r
espondent
s’popul
ati
onhav
easal
arybet
weenPhp10,
000t
oPhp30,
000,

f
oll
owedbyt
hegr
ouphav
ingt
hesal
aryofPhp30,
001t
oPhp70,
000and

bel
owPhp10,
000,whi
l
ethel
eastper
cent
agebel
ongst
othegr
ouphav
ing

t
hesal
aryofabov
ePhp70,
000.(
Ref
:Tabl
e1.
1.6;
pg.26)
.

2.Theawar
enesssummar
yregar
dingcr
edi
tanddebi
tcar
d:

a.Respondent
sar
eindi
vi
dual
l
yawar
eaboutt
her
equi
rement
s,appl
i
cat
ion

pr
ocess,bi
l
li
ng,and t
erms and condi
ti
ons ofcr
edi
tcar
difgr
ouped

accor
dingt
oage,
gender
,mar
it
alst
atus,
occupat
ion,
cour
seandwor
k,and

mont
hlysal
ary
.(Ref
:Tabl
es3.
1.1-
6,56-
59)
.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 100
ds|

b.Respondent
sar
eindi
vi
dual
l
yawar
eaboutt
her
equi
rement
s,appl
i
cat
ion

pr
ocess,bi
l
li
ng,and t
erms and condi
ti
ons ofdebi
tcar
difgr
ouped

accor
dingt
oage,
gender
,mar
it
alst
atus,
occupat
ion,
cour
seandwor
k,and

mont
hlysal
ary
.(Ref
:Tabl
es3.
2.1-
6,pg.60-
63)
.

Ther
efor
e,t
her
esear
cher
sconcl
udedt
hatt
her
espondent
sar
eequal
l
yawar
e

aboutcr
edi
tanddebi
tcar
ds.

3.Ast
owhet
hert
her
eisasi
gni
fi
cantdi
ff
erencei
ntheawar
enessofr
espondent
s

r
egar
dingcr
edi
tanddebi
tcar
dbasedondemogr
aphi
cfact
ors:

a.ForCr
edi
tCar
d,t
her
eisonl
yasi
gni
fi
cantdi
ff
erencei
ntheawar
enessof

t
he r
espondent
s when gr
ouped accor
ding t
o age,mar
it
alst
atus,

occupat
ion,andcour
seandwor
k.Butwhengr
oupedaccor
dingt
ogender

andmont
hlysal
ary
,ther
espondent
s’awar
enessar
ethesame.

b.ForDebi
tCar
d,t
her
eisnosi
gni
fi
cantdi
ff
erencei
ntheawar
enessof

r
espondent
s when gr
ouped accor
ding t
o age,gender
,mar
it
alst
atus,

occupat
ion,
cour
seandwor
k,andmont
hlysal
ary
.

Ther
efor
e,t
hedemogr
aphi
cfact
orst
hataf
fectt
heawar
enessofr
espondent
s

aboutcr
edi
tcar
dsar
eage,
mar
it
alst
atus,
occupat
ion,
andcour
seandwor
k;genderand

mont
hly sal
ary ar
e notmai
n cont
ri
but
ing f
act
ors butt
hey somehow af
fectt
he

awar
enesssi
ncet
her
eisasi
gni
fi
canti
mpactandr
elat
ionshi
pbasedont
her
esul
tsof

Anal
ysi
sofVar
iancesandPostHocAnal
ysi
s.Howev
er,demogr
aphi
cfact
orsdonot

af
fectt
heawar
enessofr
espondent
saboutdebi
tcar
ds.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 101
ds|

Recommendat
ions

Thi
sst
udyat
tempt
stounder
standr
espondent
s’awar
enessaboutcr
edi
tand

debi
tcar
ds.Cer
tai
nrecommendat
ionst
hatar
eassoci
atedwi
tht
hisr
esear
char
e:

1.Forbanks:

a.Lender
s coul
d pr
ovi
de t
argetconsumer
s wi
th cr
edi
tand debi
tcar
d

educat
ionpr
iort
otheappl
i
cat
ionpr
ocess.Of
tent
headv
ant
agesoft
hese

pay
mentcar
dsi
ncl
udedi
vul
gingt
heposi
ti
veaspect
sofowni
ngapay
ment

car
dwhi
l
eov
ershadowi
ngt
henegat
iver
olepay
mentcar
dspl
ayi
nfut
ure

f
inanci
alsi
tuat
ions.

b.Bankscoul
dmakesur
ethatal
lbr
anchof
fi
cer
sar
eful
l
yawar
eandwel
l
-

v
ersedonexpl
aini
ngt
othef
utur
ecar
dhol
der
sthenecessar
yinf
ormat
ion

aboutappl
i
cat
ionandusageofpay
mentcar
ds,
aswel
lasi
tsbenef
it
sand

dr
awbacks.

c.Theycoul
d al
so i
ncr
easet
hei
rbankadv
ert
isement
sthr
ough di
ff
erent

channel
sinor
dert
oat
tractmor
epot
ent
ial
car
duser
s.

2.Forschool
s:

a.Col
l
eges and uni
ver
sit
ies may i
nvol
ve semi
nar
s and of
fer ot
her

appr
opr
iat
eki
ndsofhel
ptoenabl
est
udent
sandschoolper
sonnelabout

f
inanci
all
i
ter
acyt
hatwi
l
lmaket
hem awar
eont
hedi
ff
erentpay
ment
s

car
dst
hatdi
ff
erentbanksof
ferwhi
cht
heywi
l
lmostpr
efer
.

b.Si
ncet
her
esul
toft
heconduct
edsur
veyi
ndi
cat
est
hatr
espondent
sar
e

wi
l
li
ng t
o appl
yfordebi
tcar
d,col
l
eges and uni
ver
sit
ies mayi
nst
all
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 102
ds|

aut
omat
ed t
ell
ermachi
nes ar
ound t
he campus f
ort
he st
udent
s and

schoolper
sonnelwi
tht
her
easont
hatoneoft
hef
unct
ionsofdebi
tcar
dis

t
owi
thdr
awmoneyf
rom ATMs.Suchpr
ocessi
sal
readywel
lest
abl
i
shed

i
not
hercol
l
egesanduni
ver
sit
ieswi
thi
nandout
sidet
hePhi
l
ippi
nes,San

Sebast
ianCol
l
ege–Recol
etosdeCav
itemayaswel
lfol
l
owt
het
rend.

c.Al
so,col
l
egesanduni
ver
sit
iesmayi
nst
it
utecr
edi
t/
debi
tcar
daccept
ing

st
oressot
hatst
udent
sandschoolper
sonnelmayuset
hei
rcr
edi
tcar
dsi
n

pur
chasi
ng.Thi
swi
l
lbemor
econv
eni
entf
ort
hecar
duser
ssi
ncet
heywi
l
l

notcar
rybi
gamountofmoneyi
nthei
rpocket
s.

3.Foraspi
ri
ngcar
dhol
der
s:

a.Aspi
ri
ngcr
edi
tanddebi
tcar
dhol
der
smayr
esear
chandr
eadaboutt
he

di
ff
erentt
ypesofcr
edi
tanddebi
tcar
dst
hatwi
l
lbesui
tabl
etot
hei
r

pr
efer
enceandf
inanci
alcapaci
ty.Theymustunder
standi
tthor
oughl
yto

av
oidmi
smanagementandi
nconv
eni
ences.

b.Theymayaswel
linqui
ret
odi
ff
erentbanksbef
oreappl
yi
ngt
obr
oaden

t
hei
rknowl
edgeandupsur
get
hei
rchoi
cesi
nregar
dst
opay
mentcar
ds

v
ari
ety
.

4.Forf
utur
eresear
cher
s:

a.Ther
esear
cher
srecommendf
utur
eresear
cher
stonotonl
yfocusonSan

Sebast
ian Col
l
ege–Recol
etos de Cav
ite communi
tybutal
so t
o ot
her

school
sandcommuni
ti
es.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 103
ds|

b.Fut
urer
esear
cher
scoul
dal
sor
esear
chnotonl
yont
heawar
enessabout

pay
mentcar
dsbutal
soaboutt
hef
act
orst
hataspi
ri
ngcar
dhol
der
smay

consi
deri
nappl
yi
ngpay
mentcar
dsandr
easonswhyol
dcar
dhol
der
s

di
smi
sst
hei
raccount
s.

c.Fut
urer
esear
cher
smayal
sochooseonebet
weencr
edi
tanddebi
tcar
ds

sot
hatt
imeandef
for
toff
utur
eresear
cher
swi
l
lonl
yfocusononesubj
ect

mat
tert
hatwi
l
lmaket
her
esul
toft
hef
utur
est
udi
esmor
econcent
rat
ed.
 Sebast
ini
anCommuni
ty’
sAwar
enessaboutCr
edi
tandDebi
tPay
mentCar 104
ds|

REFERENCES

Aswengen, A.V.(2015,October29).Womenvs.Men–GenderDiff
erencesinPurchase
DecisionMaking.Retr
ievedfrom htt
p:/
/www.
guided-
sel
l
ing.
org/
women- vs-
men-gender
-
di
fferences-
in-
purchase-
decision-
making/

BI
R( .TaxTabl
2017) e.Retr
iev
edf
rom ht
tp:
//www.
bir
.gov
.ph/
index.
php/
tax-
i
nfor
mati
on/i
ncome-
tax.
html

Busi
nessDi
cti
onary.Margi
nofError
.Retr
ievedfrom
ht
tp:
//www.
businessdi
cti
onar
y.com/def
init
ion/
mar gi
n-of
-er
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APPENDI
CES