1KeyWordsCreditCardsCauseWithrapidpaceofurbanlifethereisanincreasingdemandforthismodernwayofconsumptionThedevelopmentofrelevantfavilitiespromotesthepopularityofcreditcardsMoreandmorepeopletakeapositiveattitudetowardsthisphenomenonandregarditastheirregularlifeSignificanceItsasymboloffreedomandenableustodoadealmoreconvenientlywithoutfollowingoldfashionwaysItsmilestoneintheprogressofmoderntechnologywhichcanbeanecessarycomplementtotraditionalmeansofconsumptionCreditcardscanstimularconsumersspendinga