Enabling to buy commodities or services without paying cash at the time of purchase, credit cards are preferred as modern means of payment. Today, the speed of the circulation and depreciation of banknotes are also the reasons for the usage of cards widely. A fortiori, credit cards have been using to support the purchasing power of the people with limited income, on the other hand they are the instruments to ensure the safety of the people with sufficient assets. Operations carried out by credit cards cause increasing in payment and borrowing abilities of the consumers, at the same time diminishing precautional holdings. However, credit card usage helps to stabilize the velocity of money ciculation and supports aggregate demand.
In this article, it is intented to measure the effects of the restrictions in the installment sellings, which are actualized by credit cards, on consumer spending levels. For this purpose, 390 of the survey forms applied in Gümüşhane-Trabzon-Bayburt provinces were approved valid. Upon evaulated data with SPSS software, frequency distributions were obtained and reliability tests were performed in the 95% confidence intervals. Then, Pearson Chi-Square tests were implied for the significiance levels. According to the results, the restrictions on the credit card usage could not affect the consumption of the compulsory or basic items; however, could cause decreases in the expenditures for the other goods.
Keywords: Credit Cards, Payment Tools, Consumer Research, Chi- Square Analysis, Consumptıon Levels