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
.