T. Ramayah, Nasser Noor, Aizzat Mohd. Nasurdin, & Lim Hee Choo. (2002). CARDHOLDERS’ ATTITUDE AND BANK CREDIT CARD USAGE IN MALAYSIA: AN EXPLORATORY STUDY. Asian Academy of Management Journal, 7(1), 75–102. https://ejournal.usm.my/aamj/article/view/aamj_vol7-no-1-2002_5