O USO DE CARTÕES DE CRÉDITOS POR UNIVERSITÁRIOS: Praticidade ou Propensão ao Endividamento?

Abstract

This study characterizes the credit card usage habits among young university students in Naviraí, Mato Grosso do Sul. Focusing on the lack of financial planning, the research explores the impacts of the expansion of credit access since 2003, particularly among the youth. The analysis of data from 127 participants highlights that the majority of respondents, primarily single individuals with incomes ranging from 1 to 2 minimum wages, use the credit card for food and leisure. While most respondents pay the full balance, there is concern about the percentages that pay the minimum and use the card to settle other debts. The lack of financial education among university students underscores the need for preventive measures, suggesting future research on financial illiteracy in academic settings and the influence of marketing. The study contributes to the development of educational strategies and regulations aimed at consumer protection.