Date of Award


Degree Type

UG Dissertation (Restricted)



First Advisor

Dr. Yu Zi-you


The main objective of this project is to study the problems of credit cards for the tertiary students in Hong Kong. As this is a hot topic nowadays and related to us most, so we conduct this research in order to understand more about this issue. After this project, we understand that the use of credit card on one hand can bring us more convenience; on the other hand, improper use of them may cause financial hazards to us.

We have invited two parties to participate in this project. They are the credit card promoter and the tertiary students. Firstly, we conducted an interview to one credit card promoter. Secondly, we distributed questionnaires to the tertiary students to gather their viewpoints regarding this issue. We also conducted some more deeply interviews to the tertiary students who carry credit card debt.

Besides the primary data collected from the above-mentioned ways, we also obtained some secondary information from books, articles, newspaper and also the World Wide Web.

According to the survey results and the interviews conducted, tertiary students carry more than one credit cards is a very common phenomenon. The most attractive factors that attract them to apply for credit cards is the exemption of annual fee and the welcome gifts. The main problem concerning tertiary students who using credit cards is the probability of carrying high debt. Also, there are may be some security problems during the application process and using of credit cards. To solve the problems that we found, we suggest that the tertiary students should not make any cash advance and they should also pay more attention on the security measures.

This report also includes some limitations that we have in conducting this research. In order to conduct a better future research, we also give some suggestions for it.



Recommended Citation

Lee, W. Y., & Ngan, L. W. (2002). A study of the problems in using credit cards of tertiary students in Hong Kong (UG dissertation, Lingnan University, Hong Kong). Retrieved from