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<!DOCTYPE article PUBLIC "-//NLM//DTD JATS (Z39.96) Journal Publishing DTD v1.2d1 20170631//EN" "JATS-journalpublishing1.dtd">
      <JournalTitle>Allana Management Journal of Research, Pune</JournalTitle>
      <PISSN>? ?2581-3137 (</PISSN>
      <EISSN>) 2231 - 0290 (Print)</EISSN>
      <Volume-Issue>Volume 11, Issue 2</Volume-Issue>
      <Season>July 2021 - December 2021</Season>
      <ArticleType>Human Resource Management</ArticleType>
      <ArticleTitle>Financial Literacy and Credit Card Usage in Oman</ArticleTitle>
          <FirstName>Mohammed Ahmar</FirstName>
      <Abstract>This study aims to find financial literacy (henceforward FL) and credit card usage (henceforward CCU) in Oman. It investigates how financial literacy affects five credit card behaviors: (1) Maximum Credit Limit; (2) Timely payment of dues; (3) Only minimum payment; (4) Delinquency in payment and (5) Maximum Cash Withdrawal. A survey was conducted on 200 respondents who were using a credit card in Oman. The questionnaire used for collecting data consisted of three sections; demographic information, FL, and CCU. To check the FL, the customers were asked to rate their awareness of the terms and conditions of the credit card providers, while CCU was measured using five questions. FL is found to be 39%. This paper gives a unique insight into FL and CCU in Oman. An understanding of the CCU will help control excessive debt and high interest payments.</Abstract>
      <Keywords>Credit card,credit card literacy,credit card behaviour,demographics</Keywords>
        <Abstract>https://aimsjournal.org/ubijournal-v1copy/journals/abstract.php?article_id=13541&amp;title=Financial Literacy and Credit Card Usage in Oman</Abstract>