The purpose is to examine how people’s buying behavior changes when they use a credit card at Chennai corporation, Tamilnadu. Credit card is now a major means for making payments that affects people’s consumption patterns as well their buying behavior and attitude towards money matters nowadays. There is a significant change from earlier trends due to increased accessibilities like loans, rewards schemes, cashbacks etc. & emi facility. Consumers frequently choose credit cards due to their convenience, safety, and ability to make purchases instantly.

This study aims at exploring the impact that use of a credit card has on consumer buying behaviour like planned purchase, impulse purchases; spending patterns; repayment habits etc. It is also concerned with demographical variables like gender, age, income, socio-economic status (occupation)and education level affecting consumer behavior towards utilizing a credit card. Descriptive research design has been used where primary data was obtained by structured questionnaire survey among consumers of Chennai city limits. Second hand information is collected through periodicals, statistics books as well bank papers. Percentage techniques, chi square statistics; correlation; regression analyses were employed for data interpretation.

It will help us understand consumers’ behavior concerning finance as well as their use of a card for buying products nowadays. The results could help banks, financial firms, advertisers, and regulators understand consumers ' tastes and encourage more prudent use of credit cards...