Credit card use of college students: A broad review

Research output: Contribution to journalArticlespeer-review


Using credit cards is an effective way for college students to learn about credit and shape their credit behavior in preparation for financial independence. However, negative outcomes are associated with unhealthy credit card use. By reviewing articles in the past 15 years, this article summarizes the factors influencing credit card use among college students, and identifies the research gaps in previous studies. The purpose of this article is to direct future studies in promoting healthy and responsible credit card use, which promotes financial wellbeing of college students. Copyright © 2019 IARFC. All rights of reproduction in any form reserved.
Original languageEnglish
Pages (from-to)55-63
JournalJournal of Personal Finance
Issue number1
Publication statusPublished - 2019


Zhu, A. Y. F. (2019). Credit card use of college students: A broad review. Journal of Personal Finance, 18(1), 55-63.


  • Credit card behavior
  • Credit card use
  • College students


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