ANÁLISIS DEL USO DE LA TARJETA DE CRÉDITO

Abstract

The following research aims to analyze from a critical perspective, the use and management of credit cards. The findings focus on the level of debt that people prefer to gain and the knowledge that people have with regards to the costing set to consumers by the different financial institutions.The research was conducted on a quantity approach, likewise revising into the literature it was possible to establish the consumer behaved, the main commercial chains, products or services with the largest market share among the consumers in the city of Guayaquil. In addition it was developed a questionnaire that help this research to conclude that groceries and clotting are positioned as the main expenditure with the use of the so-called "Plastic Money" it was identify that the largest of the interviewers prefer to pay their purchases in Instalments to sort and middle term due the interest of the good and service received. Moreover it was also identified that a vast number of interviewers possess a minimum of one credit card due to the constant marketing campaigns of financial institutions trying to increase their market share.