1.

Abstract

This study is done as to find out the influence of any perceptions that deal with the use, the easiness of using credit card, as well to find out the perception about lifestyle and attitude toward the use of credit card. This study involves 191 credit card users that spread away all over 15 provinces in Indonesia. The method applied in this study is a kind of survey by distributing questionnaires. For testing hypothesis of this study the writer uses analysis instrument that is called Structural Equation Modeling (SEM) was used as a statistical tool to examine the proposed hypothesize in AMOS v.18 software. The result of this study shows that the perception of the easiness in using credit card give some positive effect toward the perception of the use and the attitude of the using. The perception of the use gives positive effect toward using credit card and in the other hand it doesnt give positive effect on the attitude toward using. Then the attitude toward the use give positive effect toward the use of credit card whereas the perception of the lifestyle doesnt give any positive effect toward the use of credit card. Key word : the perception of the usefulness, the perception of the easiness, lifestyle, attitude toward using and the use of credit card.

2. Abstract
The study aims at testing the influence of perceived usefulness, perceived ease of use, perceived lifestyle and attitude toward using the credit card. The subjects of the study were 191 credit card users spread across 15 provinces, in Indonesia. The method used in this study is a survey by distributing questionnaires. Structural Equation Modeling (SEM) was used as a statistical tool to examine the proposed hypothesize in AMOS v.18 software. The study shows that perceived ease of use gives positive influence on perceived usefulness and attitude toward using. Perceived usefulness gives positive influence on credit card usage but it does not give positive influence on attitude toward using. Then attitude toward using positive influence on credit card usage, while the perception of lifestyle does not give a positive influence on the use of credit cards.

Keyword: Perceived usefulness, perceived ease of use, perceived lifestyle, attitude toward using and credit card usage.