Percepción del uso de las tarjetas de crédito en Colombia de los estudiantes de la facultad de Ciencias Económicas de la Universidad Santiago de Cali Sede Pampalinda

Abstract

The credit card is a payment issued by a bank, which allows purchases to be made in stipulated terms. The purpose of this research was to determine the perception of the use of credit cards in Colombia by students of Faculty of Economic and Business Sciences of the Santiago de Cali University, Pampalinda headquarters. For the realization of this present, secondary sources were used as the information of the entities: Asobancaria and Financial Superintendence of the credit card database and as primary source were the students of Faculty of Economic and Business Sciences who were surveyed. The results show the trend of dynamics of the use credit cards in Colombia between the period of 2017 and 2018, Colombians acquired more credit cards in the last quarter of the years analyzed (2017,2018), which coincides with national purchases and the portfolio that increased, unlike purchases abroad and the advances that diminished, the students of the faculty have knowledge about the risks at the time of using a credit card, finally educational strategies were proposed for a good management of personal finances such as: course, seminars and conferences where several topics will be explained in depth.