Credit Card Use of College Students: A Broad Review

Alex Yuefeng ZHU

Research output: Journal PublicationsJournal Article (refereed)peer-review


Using credit cards is an effective way for college students to learn about credit and shape their credit behavior in preparation for financial independence. However, negative outcomes are associated with unhealthy credit card use. By reviewing articles in the past 15 years, this article summarizes the factors influencing credit card use among college students, and identifies the research gaps in previous studies. The purpose of this article is to direct future studies in promoting healthy and responsible credit card use, which promotes financial wellbeing of college students.
Original languageEnglish
Pages (from-to)55-63
Number of pages9
JournalJournal of Personal Finance
Issue number1
Publication statusPublished - Mar 2019


  • CREDIT cards
  • PERSONAL finance
  • PERSONAL loans
  • FINANCIAL literacy
  • COLLEGE student attitudes
  • college students
  • credit card behavior
  • credit card use


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