Differences in spending habits and credit use of college students

In a study of college students, affective credit attitude (feeling about us ing credit cards) and gender influenced college students' credit purchasing . Affective credit attitude predicted the purchase of clothing, electronics , entertainment, travel, gasoline, and food away from home. Females purchas ed clothing; males purchased electronics, entertainment, and food away from home, Gender was more influential in predicting financial management pract ices than was affective credit attitude, with female students employing a g reater number of financial practices. A path analysts model showed gender d ifferences in the relationship between financial practices, financial stres s, affective credit attitude, and the number of credit cards with a balance .