A Study on Usage Pattern of Credit Cards in Gulbarga City

Application of Technology has transformed very lifestyle of the people and the entire world is dependent on it. In service sectors like banking, education, health, retailing, etc. technology has become the main player. Integration of banking services with the technology has given rise for new ‘technology-driven’ services, apart from enhancing overall efficiency of the banking industry in serving customers. Credit card facility of bank combines technology with the flow of credit and serves the spontaneous needs of mobile customers of the contemporary days instantaneously. The study makes an attempt to know the usage pattern of credit cards by the customers, in economically developing Gulbarga city of Northern-Karnataka, to derive results for use of credit card issuing banks and credit availing customers, to make credit card facility more meaningful and user-friendly. The research study is based on primary data and necessary statistical tools have been applied in deriving the results.