This study was aimed to gain insights and tested the factors that
influence credit cards usage in university community of UPI through
Theory of Planned Behavior model approach. Using Path Analysis to
explain the direct and indirect influence of attitude, subjective norm
and behavioral control to intention and behavior of credit card usage.
The results showed all respondents have a positive attitude towards
credit cards usage, with high influence of subjective norm, high
behavior control, high intention to use credit cards and all respondents
used credit cards wisely. There was positive and significant effect
either simultaneously or partially between behavioral attitudes,
subjective norms, and behavior control toward the intention to use
credit card. The partial test results showed behavioral attitude has the
greatest influence on the intention to use credit card. There was a
positive and significant influence both simultaneously and partially
between behavioral attitudes, subjective norms, and behavioral control on
default-risk debt behavior. The partial results showed that attitude
gives the greatest influence on default debt risk behavior. The result
also proved there was a positive and significant influence of the
intention to use credit card on default debt risk behavior.