Gatot Wijayanto, Yuyus Suryana, Yevis Marty Oesman, Arief Helmi
The rapid advanced technology leads all business fields compete to incorporate technological elements into each of their products. Bank is utilizing technology by issuing credit card as it provides many cashless advantages. Another advantage of using credit cards is the ease in utilizing many promotions at merchants. Despite many advantages provided, many credit card users do not have a good self-concept, resulting having a lot of debt. Therefore, this research was conducted with the aim at knowing the influence of self-concept in using credit cards on its decision to use. This research employed an explanatory survey method involving 400 respondents who had credit cards, which were selected using accidental sampling method of 6,770,000 total populations. The results show that self-concept influenced the decision to use credit cards. In addition, the four dimensions of self-concept, namely self-control, responsibility, confidence, and self-esteem also influenced credit card users in managing their behaviours using credit cards with influence in medium category.