A Study on Perception and Awareness on Credit Cards among Bank Customers in Krishnagiri District

Table of Contents

I. Introduction and Design of the Study

II. Review of Previous Studies

III. Growth of Credit Card Industry in India

IV. Bank Customers’ Awareness about Credit Cards

V. Influence of Demographic and Banking Related Profile on Possession of Credit Cards

VI. Eligible Credit Limits and Actual Credit Limits availed by Credit Card Holders

VII. Extent of Usage of Credit Cards by Card Holders and Attitude of Card Holders towards Credit Cards

VIII. Card Holders’ Satisfaction towards Credit Cards

IX. Card holders’ Perception and Experience regarding the role of Core and Supplementary Service on Credit Cards

X. Summary of Results and Findings, Suggestions and Conclusion

Research Objectives and Themes

The primary aim of this research is to evaluate the perception, awareness, and usage patterns of credit cards among bank customers within the Krishnagiri district. The study investigates how demographic and banking-related variables influence the adoption and utilization of credit cards, while also assessing user satisfaction and the quality of bank services related to these products.

• Analysis of customer awareness levels regarding credit card brands, benefits, and service conditions.
• Evaluation of the influence of socioeconomic and demographic profiles on credit card possession.
• Assessment of credit limit eligibility and the actual utilization behavior of cardholders.
• Examination of consumer satisfaction levels and factors influencing the user experience in the banking sector.

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Summary of Chapters

Chapter I: Provides an introduction and outlines the research design, including objectives, scope, methodology, and limitations.

Chapter II: Presents a comprehensive review of existing literature and previous research conducted on credit card usage and consumer perception.

Chapter III: Analyzes the historical growth and trends of the credit card industry within India.

Chapter IV: Evaluates the level of awareness among bank customers regarding various aspects of credit cards, such as brands and conditions.

Chapter V: Examines how demographic and banking profile variables correlate with the possession of credit cards.

Chapter VI: Explores the relationship between eligible credit limits and the actual limits utilized by cardholders.

Chapter VII: Highlights the patterns of credit card usage and the prevailing attitudes of cardholders towards their usage.

Chapter VIII: Describes and quantifies the satisfaction levels of cardholders regarding credit card services.

Chapter IX: Outlines the perception and experience of cardholders regarding the core and supplementary services provided by banks.

Chapter X: Summarizes the major research findings, offers practical suggestions, and concludes the study.

Keywords

Credit Cards, Banking Industry, Customer Awareness, Financial Services, Consumer Perception, Credit Limits, Customer Satisfaction, Demographic Influence, Plastic Money, Usage Pattern, India, Krishnagiri, Marketing of Banking Services, Financial Discipline, Revolving Credit.

Frequently Asked Questions

What is the core focus of this research?

The research focuses on analyzing the perception, awareness, and usage of credit cards specifically among bank customers residing in the Krishnagiri district, India.

What are the primary thematic areas investigated?

The thesis covers customer awareness, the impact of demographic profiles on card possession, credit limit utilization, consumer attitudes, and overall satisfaction with banking services related to credit cards.

What is the central research objective?

The main objective is to measure customer awareness, assess the influence of specific profiles on credit card ownership, and determine satisfaction levels to offer recommendations for industry improvement.

What scientific methods were employed?

The study utilizes a survey-based methodology, applying statistical tools such as Descriptive Statistics, Chi-square tests, Correlation analysis, Multiple Regression, Discriminant Function Analysis, Factor Analysis, and ANOVA.

What topics are addressed in the main body of the work?

The main body examines the growth of the Indian credit card industry, analyzes consumer awareness levels, determinants of credit limits, and explores the gap between customer perception and actual experience.

Which keywords best characterize this work?

Key terms include Credit Cards, Banking Industry, Consumer Perception, Customer Awareness, Financial Services, and Usage Patterns.

How does the study define "Bank Customers" for its sample?

In this study, "bank customers" refers to individuals who hold a deposit account with a commercial bank but do not possess a credit card; holders of credit cards are treated as a separate, distinct sample group.

What significance does the "Gap Analysis" hold in this study?

The gap analysis is crucial for understanding the difference between the expectations (perception) of credit cardholders and their actual experiences regarding core, facilitating, and supporting services provided by banks.