Although credit cards have been used in Kenya for some time, there has been slow growth in use. The purpose of the study was to find out how consumer attitudes towards credit cards affect their usage. A cross-sectional study was done by interviewing 395 respondents. Stratified random sampling was used and respondents picked at shopping malls.Findings revealed that consumer attitudes affect credit card usage.The findings provide information that bank managers can use to guide them as they work towards influencing consumer attitudes. This paper makes a valuable contribution since very few studies have been done n credit card usage in Kenya.
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