Divya H.R (11BCCMA010)Annexture

8/13/2019 Divya H.R (11BCCMA010)Annexture

1/10

QUESTIONNAIRE

Dear Respondent,

I DIVYA.H.R, student of final yearMBA, Maharanis Arts, Commerce and Management

College for Women, Bangalore, Bangalore University, conducting a survey onHabits Of

The Credit Card Holders, A Study at Bangalore under the Guidance of Prof. Kushala

M.com ,M. Phil ,Faculty of Commerce and Management Department.

I request you to participate in this Dissertation report onHabits of the Credit Card Holders

and provide your feedback on the below questions. Your cooperation in completing this

questionnaire is highly appreciated.

Please answer all the questions to the best of your knowledge. The questionnaire is completed

anonymously, thereby providing full confidentially. Please answer all the questions

Please indicate your feed back by ticking [ ] on the appropriate box.

I shall be grateful to you, if you could spare a couple of minutes to answer these questions.

PART -A

Demographic Profile

1. Name:

2. Address: .. . .

3. Gender

Male Female


2/10

4. Age

20-30 Years 40-50 Years

30-40 Years Above 50

5. Occupation

Business Professionals

Private sector Employee Government sector

6. Educational Qualification

Below SSLC PUC

Graduation Post Graduation

Others

7. Annual Income

Less than Rs.25, 000 Rs.50000-100000

Rs.25000- 50000 Above 100000


3/10

8. Marital Status

Single Married


4/10

PART -B

Environment of Habits of the Credit Card Holders

1. Purpose of Using Credit Card

Yes No

a. Shopping [ ] [ ]

b. Hotels [ ] [ ]

c. Health [ ] [ ]

d. Travel [ ] [ ]

2. Online shopping has increased the usage of credit cards.

Age Yes Noa. 20-30 [ ] [ ]

b. 30-40 [ ] [ ]

c. 40-50 [ ] [ ]

d. Above 50 [ ] [ ]

3. Repayment of Credit Cards

a. Within 30 days [ ]

b. above 30 days [ ]


5/10

4. Reasons for using credit cards

Yes No

a. Avoidance of risk [ ] [ ]

b. Convenience [ ] [ ]

c. Status [ ] [ ]

d. Immediate payment [ ] [ ]

e. Cash withdrawal [ ] [ ]

f. Benefits [ ] [ ]

5. Credit card limits will change the buying habits of the credit card

holders

a. Strongly Agree [ ] b. Agree [ ]

c. Neutral [ ] d. Disagree [ ]

e. Strongly Disagree [ ]

6. Use of credit card is safest modes of transaction





6/10

7. Which of the following statement most closely matches your credit

card usage habits?

a. Only use a foreign credit card [ ]

b. Only use a domestic credit card [ ]

c. I use a domestic credit card and a foreign credit card [ ]

8. What are the benefits of your credit card in your opinion?

a. Buy now, pay later [ ]

b. No cash eliminates the trouble of change [ ]

c. More convenient when traveling /abroad [ ]

d. Others [ ]

9. How many times do you use your credit card per month?

a. Up to 4 times [ ]

b.4-6 times [ ]

c. 6-10 times [ ]

d. More than 10 time [ ]


7/10

10. Do you know the interest rate of each of your credit cards?

a. Yes [ ] No [ ]

11. Are you satisfied with your credit card services?

a. Very satisfied [ ]

b. satisfied [ ]

c .Not satisfied [ ]

12. How much do you approximately spend with your credit card per

month?

a. Up to 1000 [ ] b. 3000-5000 [ ]

c. 5000-1000 [ ] d. More 20000 [ ]

13. Credit Card to be expensive as many other charges are charged on

it





8/10

14. Credit cards are most useful in case of emergencies


c. Neutral [ ] d. Disagree [ ]e. Strongly Disagree [ ]

15. Good credit card services will influence the people to use credit

cards more




16. Which kind of the credit card you are using at present

a. American express [ ] b. Visa card [ ]

c. Master card [ ] d. Commercial banks card [ ]

17. The credit card usage is laced with unnecessary hidden cost

a. Strongly Agree [ ] b. Agree [ ]c. Neutral [ ] d. Disagree [ ]



9/10

18. The use of credit card unnecessarily promotes credit culture in the

society

a. Strongly Agree [ ] b. Agree [ ]c. Neutral [ ] d. Disagree [ ]


19. Now days credit card cloning increased frauds in credit card

industry




20. Compound interest practice by the service provider is burden to the

user of credit card





10/10

21. The credit card service provider averse to the rural areas


c. Neutral [ ] d. Disagree [ ]e. Strongly Disagree [ ]

22. Please tell us the overall credit card experience on a 10 point scale.

a. Outstanding [ ]

b. Moderate [ ]

c .Very Poor [ ]

Thank You Sir/ Madam

For Your Valuable Time

Documents

Divya H.R (11BCCMA010)Annexture