BBYN4103

BUSINESS RESEARCH METHOD

QUESTIONNAIRE SURVEY ON STUDENTS’ ATTITUDES TOWARD CREDIT

CARDS

All information provided through this questionnaire is treated as strictly confidential and will
only be used for the purpose of this study. Thank you in advance for your support and co-
operation to complete this form.

SECTION A
Information about You

Please mark ‘X’ at the appropriate box.

1. Employment Status

Working Not Working

2. Gender

Male Female

3. Age

Under 21 21 to 30

31 to 40 41 to 50

Above 50

4. Marital Status

Single Married

Single parent

Mailin @ Mary Magdelina Gintarong

BBYN4103-Business Research Method
September 2010 Page 1
5. Working Experience

Below 5 years 5 to 10 years

10 to 15 years 15 to 20 years

20 years and above

6. Gross income per month

Below RM1,000 RM1,001 – RM2,500

RM2,501 – RM4,000 RM4,001 – RM5,500

Above RM5,501

7. Are you student of Open University Malaysia?

Yes No

8. What course are you taking?

Bachelor in Management Bachelor in Business

Administration

Bachelor in Human
Others
Resources Management

Mailin @ Mary Magdelina Gintarong

BBYN4103-Business Research Method
September 2010 Page 2
 SECTION B
Information about Credit Card

Please mark ‘X’ at the appropriate box.

9. Do you owned a credit card?

Yes No

10. How many credit cards do you have?

1 card 2 cards

3 cards 4 cards

11. Are you the principal or supplementary holder of the credit card?

Principal Supplementary

12. If supplementary card, from whom did you get the authorization?

Spouse Parents

13. Do you know that the financial service charged on Credit Card is 17.5% per annum
based on your current outstanding balances?

Yes No

14. Do you aware that the Government had imposed a fixed government service tax of
RM50.00 per card per annum?

Yes No

15. How often do you use your credit card?

Almost everyday
Once a week

Once a month Never

Mailin @ Mary Magdelina Gintarong

BBYN4103-Business Research Method
September 2010 Page 3
16. In what situation, do you use credit card? (You may tick more than one)

To finance OUM semester Pay luxury items/high cost of

fees/ children school fees living

Pay expenses for vacation Pay medical expenses

Pay utilities bills (telephone,

Pay Household expenses
water, electricity)

17. How do you usually pay your monthly credit card bills?

Full amount Half of the total outstanding

amount
Minimum payment as stated
in the bill

18. Have you been late in paying any of the credit card bills?

None Seldom

Occasionally Always

Mailin @ Mary Magdelina Gintarong

BBYN4103-Business Research Method
September 2010 Page 4
 SECTION C
Credit Card Usage Attitudes

Please mark ‘X’ at the appropriate box.

Strongly Disagree Neutral Agree Strongly

Disagree Agree
19 Credit cards are bad because if we do
not pay the full amount we are bound to
1 2 3 4 5
pay high interest or financial charges.

20 Credit cards are good because we can

buy things immediately and pay later. 1 2 3 4 5

21 It is much safer and easier to pay using

credit card than to pay cash. 1 2 3 4 5

22 Credit cards are for emergency use only,

example: buy air fares, medical
1 2 3 4 5
expenses, etc

23 I have a much better control of my

expenses when I pay with cash than
1 2 3 4 5
using credit card.

24 Students lose control over their expenses

when they pay with credit cards. 1 2 3 4 5

25 Using credit card encourages students to

buy things beyond their budget 1 2 3 4 5

26 It is convenient to have a credit card

because we can pay minimum amount
1 2 3 4 5
each month

27 Credit cards are treated as cash advance

or personal loan 1 2 3 4 5

28 Most students are in debt today because

of credit cards. 1 2 3 4 5

Mailin @ Mary Magdelina Gintarong

BBYN4103-Business Research Method
September 2010 Page 5