T. Ramayah (2002) “CARDHOLDERS’ ATTITUDE AND BANK CREDIT CARD USAGE IN MALAYSIA: AN EXPLORATORY STUDY”, Asian Academy of Management Journal, 7(1), pp. 75–102. Available at: https://ejournal.usm.my/aamj/article/view/aamj_vol7-no-1-2002_5 (Accessed: 22 November 2024).