Structural Equality Model Study for Credit Card Attitude Scale

The aim of this study is to search for the validity and reliability of the credit card attitude scale developed by girginer and her team (2008) grounding on the scale which had been formed by hayhoe and his team (1999) with the help of confirmatory factor analysis (cfa). the scale in question had been modified for the high education students living in turkey. data of the survey made in 2008 was used in this study, too. findings of the study exhibited that validity degree of the scale with four dimensions formed by cfa was higher than the validity degree of the scale with five dimensions formed by explanatory factor analysis. goodness of fit indicators calculated for the structural model took place in the goodness of fit limits. the structural equation model (sem) established with the idea that the attitudes towards credit card usage in anxiety, cognitive and affective dimensions affected credit card usage behaviours, was found to be significant statistically. according to the results of the sem, anxiety attitudes have the greatest positive effect (0.53) on the behaviours. also it was found that students have tendency to use more credit cards of different kinds for decreasing their financial risks when their anxieties related with credit card usage get more and more.