Causas influenciadoras do comprometimento da renda decorrentes do uso do cartão de crédito

Abstract

This work aims to verify the causes that influence the loss of income resulting from the use of credit cards. Based on descriptive research, of a quantitative and nonprobabilistic nature, our corpus is composed of 44 university students from the Federal University of Sergipe, Itabaiana campus, Sergipe. Thus, we applied a questionnaire whose data was organized in an Excel spreadsheet, and using the statistical software Stata 18.0. To analyze the data, the multiple regression method was used. Thus, it was observed that there is a fluctuation in income commitment when associated with the condition of checking debts before making credit card purchases, contributing to a reduction in debt when students make this inquiry. Less significantly, this commitment also decreases due to the fact that they have financial reserves and have economic dependents. On the other hand, debt is high according to the number of times purchases are made in installments and also depending on the frequency of use of the credit card.